I don't know enough about it to confidently say they're going to lose all their money
It happened to my relative. They didn't lose everything, but they lost enough that they're shopping for a mobile home for retirement, when they previously could have bought a small house.
The actual act of exercise is pretty miserable for most of us. It's the hours in between exercises that for better, for me. I just generally feel better when I'm exercising more.
It sounds like you're getting plenty of exercise, so it's time to check into vitamins, meditation, mindfulness exercises and whatever else.
In your shoes, I would keep exercising, to keep that variable controlled while I tried the next change.