Please help me

So I am 23 yr old have alot of confidence, above avg communication skills, good humour ( in my opinion and by the feedbacks), have no fear of anything, good in studies ( especially maths), can make frnds easily, have a decent maturity in terms of dealing things, decent looks etc etc. BUT STILL I M NOT SO HAPPY I have strong insecurities related to my relationships, my looks, my dressing sense overall I feel incompatible to approach any women/girl for relationship or just for friendship. This thing killing me so damn I can’t bear this burden and fear of regret that I am such a loser that I was unable to make a gf. I can’t explain u how emotionally I am down right now and it happens all the time and I feel so empty. Look the facts are real I don’t have money, so avg everything and I don’t know about my looks I do think I look good but still have insecurity.
There so many points for not to approach a gir
1. Academics ( not so imp)
2. Lack of money
3. Fear of rejection
4. I do choose the one who’s out of my reach / standards ( don’t know how much true it’s)
5. Due to all my insecurities.
So once I decided I am not gonna approach anybody I’ll focus on enjoying my academics, frns, party n all i.e will enjoy things in my comfortable zone. But still I am not happy I want to approach a girl she’s cute but I think direct approach is almost impossible still if I do she’ll reject me and now looking for indirect approach which seems difficult to find.
Now I am the one who’s so damn confident in anything I can do anything like I am one of the best person in the room ( feedback from other, not my personal opinion). But why the fuck I m depressed.
CONCLUSION:
I have decided that I’ll focus on earning money and remove all my insecurities slowly slowly and will work hard to become the ideal one i.e more self improvement.
Another thing which is coming in my mind is that, I am not a ugly person I have so many good things I know things that many PPL don’t may be it’s my delusion I should need to approach her directly but in a strategic way for +ve result.
PLZZZ HELP ME OUT I NEED YOUR EXPERIENCES
PLSS HELP ME I M BEGGING