i am turning 22 yet have no idea of future having so much problems financially responsiblity, I just slept 4 years not thought of future all thinks of IiT at age 15 i never Iim Cat at 18 i never CA dropped due to laziness at 17, what next is forgetting last 4 years and start new from zero to Sbi ?

Age is just a bar. Don't measure your capabilities according to it. You are just 22. There is still so much that you can achieve.
You mentioned about financial problem. You can start working part time as an intern and maybe look for fresher jobs on LinkedIn or Internshala.
A proper plan is extremely important for career management.
Do not give up hope. But you do need to give up laziness. You can mention some of the areas of work which interest you the most and we could help with you that.
You can also get enrolled in programs which are of vocational nature and gain some experience for better career prospects in future.