What you describe sounds like more than stress. Life changes such as job loss...and stress, can lead to depression, hence your over sensitivity and bursting into tears and the subsequent guilt.
Several years ago I just wasn't coping. I felt over whelmed by everything, and I was ultra sensitive and felt guilty about everything and anything whether it was my fault or not, and I cried at the drop of a pin.
I finally went to my doctor and told him how I was feeling and he put me on Celexa. The initial dose was 20mg daily, and within the month I started to feel better, almost like my old self. I went back for my follow up and told him that the Celexa was working, but I felt there was still room for some improvement in how I was feeling.
He incresed my dosage to 30mg daily. Within 2 weeks of that I was feeling absolutely normal, like I did before.
I think I've been on it for about 5 years. Periodically when funds have been tight I have had to lower my dose to 20mg daily for that month, but I notice a difference in my mood. Last year in November and December I was under so much financial that even with the Celexa I was spiraling down into a depression, so I bumped up my dose to 40mg for those 2 months to help me cope better, and then in January or February went back to 30mg.
I still get stressed out, well, not really stressed, but I do still feel overwhelmed sometimes, but now I can actually cope effectively when I feel like that instead of shutting down. And I have the ability to self motivate myself, unlike before.
I believe that my depression/anxiety is chronic and in hindsight I have had symptoms of depression ever since I was a teenager and my methods of copying haven't always been ideal. So I will be on Celexa, or another antidepressant for the rest of my life if I want to maintain feeling normal.
However, some people have situational depression and only need an anti-depressant for a period of months or a few years and then they can go off of them.
I would suggest you go and talk to your doctor.