So I spoke too soon

Today we got the worst news about our house which we really like.  All the plumbing is shot. Not one pipe that is easy to get to but all of it. Under the house all the way to the road. There are cracks and tree roots.  Of course nothing seem wrong at inspection b/c no one was using the toliets and tubs daily. After two weeks our tubs starting filling and then lovely stuff started coming up.  We got a plumber out to clean the clog that was too bad for Pete to fix himself and after $650 all we got was poop up the wall and across the floors of both bathrooms and his words as he left that evening was just clean it up with a little bleach.  I still am wondering why I handed him my credit card.  He said it shot up b/c we have a collasped pipe under the house.  Well we didn't take his word for it so we called an other plumber who came out today with a camera.  Well the pipes aren't collasped....yet. There are cracks in multiple spots a hole here and there and I saw some nice tree roots in one area.  It is the whole line. He said that unfortunely with older houses they used cast iron and if the house is vacant they rust and crack.  I wish someone would have told us we would have paid during inspection for them to check. we haven't gotten the quote to fix it yet but it has been hinted at being well over 10,000 and probably way closer to $20,000.  I CAN'T BELIEVE IT. I feel like we have had the worst luck.  I haven't even included in any posts that I got shocked 6 times by my defibalator earlier this year or went though a depression after Emma and am now talking to a family physchologist. 
We have another plumber out tomorrow for their quote and he only goes through the floor and doesn't tunnel under so then there would be lots restoration to the whole house if we went with him.  I am sickened and overwhelmed.  we were told it wasn't covered under our insurance b/c it is wear and tear and it isn't covered under our warrenty. 
I feel like we must have done something wrong to have this happening.  I am doubting whether we listened to the spirit correctly or if we missed it.  I am worried about getting a loan to actually to able to pay for it, it is not like there is equity in the house we just bought it for what it appraised for.  Oh my now I am crying again.  It just sucks.