I do not have any solid advice, but is it too late for you to switch to a career that does not require driving? Like working from home? Tootle and Pathao are not too expensive for occasional trips. In Nepal, ownership of car is extremely costly and motorcycle too is expensive if you can manage with Tootle.

I am a good driver with long experience currently working outside Nepal. Although I am very confident, I really hate driving even with autonomous cars these days.