There are various interpretations for the ten virgins. You sound like you are self condemned because you do not have enough "works." Salvation is a gift, many believe you either receive the gift or you do not. If you are a true Christian you are one of the five with oil. Settle your salvation in your soul, do not let the devil say you are unworthy etc. Your getting to heaven on what Jesus did, it is enough.
Next, why not turn to being more productive? Perhaps Ephesians 5 may apply to you. In this case you are barely doing anything (I have been here) then try to stir yourself up. See what God wants you to do now. It sounds like you have some goals that might have been shown to you in the past. I'd repent even saying I am sorry i did not accomplish what I should have. (I have done that too). Bury those and just come to Jesus and say here I am I want to serve you more. What can I do now? Perhaps he returns some of those items you think you should have done but they are in the past. If the devil stole them through worries etc., it is payback time. In God you can make up for that loss. Sampson sure did, his last act killed more Philistines than all his previous years.
Judges 16:30. You don't have to die to get your payback, just get in God's grace, your license to serve and awaken. Let God worry about what time is left, just move the best you can for the days remaining. Rebuke discouragement with praise too. Your an heir of God and joint heir of Christ, you are empowered, graced and can move forward. When you have short term failures, get back up and continue moving forward. I took a bit of latitude here so forgive me if it does not speak to you. You are blessed though for sure!
Eph. 5
This is why it is said: “Wake up, sleeper, rise from the dead, and Christ will shine on you.”
15Be very careful, then, how you live—not as unwise but as wise,
16making the most of every opportunity, because the days are evil.
17Therefore do not be foolish, but understand what the Lord’s will is.
18Do not get drunk on wine, which leads to debauchery. Instead, be filled with the Spirit,
19speaking to one another with psalms, hymns, and songs from the Spirit. Sing and make music from your heart to the Lord,
20always giving thanks to God the Father for everything, in the name of our Lord Jesus Christ