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Easy there, first off, its not as if the Bitcoin world is going to end if you decide to quit. Now coming back to your post:
I have down aded multiple wallets trying to find one that will accept my debit card.
If you mean bitcoin wallets, bitcoin isn't something you can buy from a wallet, you have to use exchange services for that. And no most of the exchanges don't accept CC transactions as they can be reversed.
I have had a transaction pending for days.
TXid? Or are you talking about a exchange transaction?
There is not an ATM for adding cash in my STATE.
There are couple of guys on Localbitcoin who can help you with cash->BTC transactions depending on your country/state.
This form of payment really seems like a big, useless bunch of frustrating nothingness.
Once you get it, you'll see how great it is.
Please help with REAL ADVICE or I give up.
Why don't you start off with what exchange/service you're talking about in the first place?