When you drink because you are bored...then

[HereSince1628]

7. Can't boredom be a useful response of a well functioning brain?

If I understand the sense of boredom correctly, and I may not, it's a way the brain signals that it's time to move on to behaviors/experiences of something more rewarding.

Alcohol works on the reward/pleasure/addiction centers of the brain, but a fake reward might subvert motivation to act in a way that resolves possible causes of the lack of motivation and boredom.

The factors you name to be at work in your life...finances, relocation, interpersonal can each present serious challenges separately. Together that puts in place stressors across much of your life with a variety of threats; I can imagine how the combination could make moving on any one problem seem to be a likely trigger for crises in the others.

The resulting need to reduce that risk and protect yourself could be shutting down your ability to be motivated to make a move on any problem. In other words, loss of motivation may be a classic symptom of depression and or anxiety/fear.

That's a possibility you might explore with the help of a professional. A person with expertise, who might offer both a referral to a prescriber and some help with unraveling the complex knot of problems you face.