Thank You Karma Fairy!
Okay, so then in one fell swoop I got it all back. I got my car back at 4:30. So then I drove to Alameda for the ceili. I arrived early enough to celebrate and treat myself to gelato, and they had my favorite flavor (Caramello Chocolate Crunch). The girl said, "Wow, we haven't had that flavor for a while. You lucked out." Yay! And then I got to dance. Not dance gently and carefully - dance all out, through a reel-a-thon and 13 minutes of polka set. This rocked. And then I got home and my ATM card had come in the mail. I'm now officially ready to face the world again.