I'm sorry you had such a hard time at the bank. I'm happy that the teller there was so nice and helped you
I had a problem with my debit card once... one day I forgot my PIN. I just drew a blank, and couldn't remember it anymore at all. I forget what I had to do about it. I write all that stuff down in a book along with all the passwords I need now.
As far as sleeping, you are doing everything right as long as you're only taking one nap a day. I really wish that I had answers for you
I wish that you you had a better track record with sleeping pills so you could take one and stay asleep longer. It stinks to be up that early every morning and be exhausted all day. Of course you have to take a nap!!! (((HUGS)))