What is the path to sincere repentance and changing one's condition for someone afflicted with taking people's money and being unable to repay it, and this has recurred despite their repeated attempts at reform and repentance, and they feel God's wrath upon them due to their affairs becoming difficult and loss of job opportunities?

You have done well by initiating repentance and remorse, and you must be careful not to return to such actions. Among the conditions of repentance is restoring rights to their owners, and these rights do not lapse with the passage of time except if their owner relinquishes them. Difficulty in finding work may be a trial or a punishment, and you must strive to exert effort and seek help from Allah Almighty. Among the greatest means of sustenance are frequent supplication and seeking forgiveness.