PLEASE reply: Am I finished in nursing?

I am at a crossroads and could really use some advice. Thank you in advance!

I graduated in 2007 and landed my first job. I only worked for a few months before quitting due to what I now realize to be stupid reasons: stressed out and a new pregnancy. I returned to a part time old job outside of nursing. That pregnancy ended in miscarriage ironically and a few months later I applied for another RN job. Three weeks in I found out i was pregnant and thinking my previous miscarriage was related to new grad stress, I QUIT the new job yet again...I was just so afraid of losing the pregnancy. Worse yet, I quit by email! I was just so cowardly. I am so ashamed now of what I did and realize that my fears then were so unfounded. But I can't change the past. I am filled with regret however.

Anyhow, fast forward to now. I've spent the last 3 years staying at home with my now 2 children. I am looking at ways to re-enter nursing. I know to re-enter clinically and have any chance I'll need a refresher. Even then I'll look even worse than a new grad. But because of the economy I thought about working towards a BSN or MSN slowly and then in a few years when my kids are in school get out there and get an advanced degree job. One day i could see being an NP or CRNA.

Ideal situation: take refresher course, get a RN job, get tuition reimbursement and then work towards MSN. But I am not very hopeful. Call me a pessimist but as a refresher with no real RN experience, I can't imagine I'll look too terribly desireable. But at least this route I will only be out a grand or so $$ wise.

Question is, really, because of my past work history, combined with the economy, do you think I am "done for"?, I don't want to pursue a Masters in Nursing of course if in the end I won't be able to get a job anyway. I am actually now considering a whole other field. Of course that is not ideal it will take so much time and I don't really know what else I would do.

Also..not sure if you can get a job even with a Master's degree in Nursing and no experience? Do you think my situation is fixable? Even BSN will cost a lot of $$$ if no one will hire me anyway. I am looking to register for classes very soon.

Thank you so much, I really have no one in the real world to ask, I appreciate your reply whatever it is!