Reputation added.
Cars are luxuries, they are not necessities so you should not be attempting to reorder your entire life just to have one. There are enough cars on the world's roads today and enough pollution without teenagers thinking they are the be-all-and-end-all.
If you cannot afford a given luxury, you should not have it at all. So you had a Mercedes which you wrote off and are now complaining about owning a Honda Civic? Cry me a river, maybe it is your driving skills that need updated. I am thirty-five years old and cannot afford a Mercedes, be glad for what you have. I have been driving for sixteen years and have only had about ten slight scrapes, and have never ever had an accident involving another driver.
I'll be completely frank; you cannot afford it. You have other priorities in life at your age and you can easily survive without a car. If you are worried about not looking cool in front of your friends for not owning one then that is your problem.