First of all, well done. You're in a bit of a hole, but you're doing a good job digging up.
OUR EARTH OWES 152k billion dollar, but who do we owe? To the jupiter or the mars?
How can some people owe millions and walk away?
These are unhelpful lines of thinking. You borrowed money from some people (the bank's shareholders), which means that you should pay them back if/when you can. Complaining about other people welshing on their debts isn't going to help.
Instead, take that negative energy and direct it 100% toward:
1. Your personal life and psychological wellbeing.
2. €1000 cash savings for emergencies. You won't be able to get any more credit, and you don't want it.
3. Increasing your earnings.
4. Eliminating this debt.
Yes this is an emergency, but you're handling it. There's no need for worry, all you need is focus. This is not a 12 year problem, you are going to crush it in 3, and you're going to enjoy it. You've seen how millionaires can be miserable, and you're going to show them how debtors can be happy.
Don't let the bank damage your calm. If there comes a month when you can't pay in full, let them know (with a smile on your face) that they will be repaid, but they are less important than your electricity bill, so they'll just need to wait in line. If they are impatient, that's their problem not yours - if they force you to go bankrupt, they'll lose 60k and you'll walk away with a clear conscience.