Hello @LoiteringClouds - I just noticed now you are in Japan ;) I miss some Japanese things like home-made natto... :-D
Anyway re: cinnamonnrolls many women have conditions that cause them to be infertile and may have had an histerectomy and are therefore 100% sure they are infertile. She is not just saying it on a hunch.
Yet I have seen reactions vary a lot after things like early menopause, from being extremely sad to yay I don't have to worry about being late. Hot-flushes and the other changes are often very manageable with means that don't require a prescription.
Now I noticed that first in your post you mention children being responsible for the situation" and then "I know I am responsible".
Interesting to note that you wrote "I know" and not "I think" or "it seems to me".
As a casual observer, no, you are not responsible, it's certainly not your fault and I hope you don't have guilty feelings or remorse or shame or blame yourself or are angry at yourelf similar for whatever the situation is.
When people say "I know" the first thing that comes to mind is "delusion" - an unshakeable belief in something despite evidence to the contrary.
Even not knowing you and knowing very little of your situation, I can safely say there have been educational factors and social factors that have influenced your life and can have nudged you towards the current situation.
Broadly, in Europe, with exceptions, school is unpaid and private schools are rare (and sometimes forbidden). University is - broadly - free of charge. Access to university varies greatly, but I'll take the extreme example of Italy: the only requirement is passing an end-of-school exam. Registration is automatic, there is no "admissions system" and university is free of charge.
The idea is that say 500 register to start medicine and then very quickly they start not coming or not passing the first exams and then drop out on their own and then a reasonable year size is achieved (say about 25). They also get "student money" until they are 26.
Afaik in Japan it's not like this, which means that - logically - there are also systemic factors that affect you situation.
Imho too there are cultural factors that influence how you see things, how you perceive the situation. If I remember well, in Japanese one says "the nail that stands out gets hit first", while in Mediterranean Europe a common saying is instead "the baby that cries gets milk first", meaning don't be like everyone else.
There is a factual situation regarding you (no doxing ofc) that can be accurately described: you have this car that costed $5k, this job that pays X JPY and you cannot have children.
You could have a Ferrari or a Maserati but then if somebody breaks your side-mirror you will have to wait for a replacement. Then good luck with parking. And if you are driving on a bumpy road you'll know it. And you'll have the view of sitting on the tarmac. Oh and if you are lucky enough to drive them in Germany, the no-speed limit country, you will find out soon that driving at 155mph = 250 km/h on average actually makes trips last much longer bcs you have to refuel every 30 minutes.
And a $5k small car is great, you don't care about bumps and scratches, you can park anywhere and when you are tired of it you can sell it and buy a new one. And if it breaks down your loss is maxed at $5k.
You mentioned that "financial independence" would be a success. This also has different meanings. For some, it's "enough to rent a bed in a shared room", for others it's "enough to buy a house".
Some find a small job annoying, others would welcome it because of the lack of responsibility.
One thing, however, is that independent of your situation, you are not 100% responsible for it. Sure, you might have influenced it, but it's not only you.
I am glad you found a good therapist that is telling you intelligent things to think about and not what to do.
Sorry everyone else if I write essays on the main thread - @LoiteringClouds if you want to DM me, you can, I don't mind (so the thread won't have such long answers) but if nobody minds my occasional texts then I'll keep answering here :)