Marma, I'm sad to hear about your husband. I know this is a very, very difficult time. I have no suggestions for products. But.....I do suggest that you can possibly get financial assistance from the government. In Oregon, DHS, sometimes pays for babysitting. There are some requirements to be met and it's been too long for me to remember them. You could probably get food stamps too. Or be trained for a job, during which you would also receive a financial stipend.
There are also scholarships available at some child care centers. The YMCA is one that provides scholarships.
I also wonder why you wouldn't be able to pay for child care if you had a job in your field. Perhaps it's your choice to stay home. My daughter does not have a degree or experience at the time she started working in a clerical field 3 years ago. I think she earned 12.95/hour and she had 2 children in child care. She did live in affordable housing, which is a government subsidized program. This did make a difference in how much she had available for child care.
When I was working social service/vocational rehab paid much more than what she was earning. I suspect jobs are more difficult to find now.
I know that you did not ask about this. I am sending it because most of us who have been able to support ourselves over the years aren't aware of how to get help when we need it. And we may also be hampered by pride.
Also, there are ways to get the bill collectors off your case. There is a law that states that they cannot continue to call. I don't know the specifics. It also frequently works for one to call each company, tell them the circumstances and arrange a more reasonable payment plan based on current circumstances. My father was in business for himself and he allowed people to make nominal monthly payments with a promise to continue paying until bill was paid. I know it's not as easy to negotiate with big business but it is possible. They would rather get some money than no money at all.
A comment on your stress level. Now would be a good time to ask your doctor for some anti-anxiety medication. It may seem that you don't have money for it but in the long run you'll be better off. Without feeling so much stress you will be more productive. Starting an on-line business requires much from you and I do believe that an anti-anxiety medication would be of help. There are some that are not so expensive.
I wish you the very best. You are a brave strong woman, tho you probably don't feel that way. Just hang in there.