I agree to an extent.
I think the problem is that a lot of the things you've described are negatives, and if they are emphasized too much, they can seriously hamper the wish-fulfilment aspect that is inherent in all superhero characters to some extent.
On some level, we should all want to be Spider-Man, despite the challenges. If Peter is eternally broke, depressed, lonely and basically doing what he does solely out of guilt...then that's a really miserable character that I wouldn't want to spent too much time with.
Let's not forget that in many ways, the first real ''Golden Age'' for the character started during the Lee/Romita years, when Peter went to college, had friends, a cool apartment with Harry, a girlfriend in Gwen and another potential love interest in MJ, and generally was somewhat happy in life despite all the challenges he faced both in and out of costume. This is actually the era which has served as the template for most Spider-Man adaptations, albeit sometimes with some of the angst dialled up.
I think the strength of Spider-Man is that he brings the everyman aspect to a pretty fantastical universe, even if by being part of that universe he isn't strictly an ''everyman''. He has the closest approximation to a normal life among Marvel heroes (Daredevil being another notable example) who mostly live in their ivory towers (be it the Baxter Building, Avengers Tower, Xavier Institute) and descend upon humanity to save them. Peter lives among us. Which doesn't mean of course that he needs to be miserable while doing so!