Wasting, two things come to mind:
a) if employment is not an option because of red flags, any chance you can go the contract route? You mentioned you worked in the financial industry, so I imagine there must be some value that you’re able to bring to bear. If not because your skills are outdated, can you enroll in some classes in that industry that are currently sought after, e.g. Data science?
b) if a) fails to work out, how about volunteering for a non-profit? It’ll give you a chance to help people and it will get you out of the house.
What do you think?