How does the feeling of "losing your spark" serve as a more reliable indicator of dysfunction than any list of red flags?

It’s my last semester, and I’ve realized I’m not passionate about engineering anymore. I have no clear vision for my future and feel completely lost. Anyone has any close experience? What should I do?
How do you recover from going broke? I hear these stories from around the world of people going broke or crashing into paralysing levels of debt and then just making a choice, working hard and then getting everything back?