Wow, that sounds awful. It's like someone kicking you when you're down. I've been there.
Here is what I think happened. They saw that you got a tax refund check and didn't cash it but let it expire. That's not normal. When your mom saw that she felt fear. Fear that you may have some kind of mental problem. She reacted with anger trying to shake you out of it or motivate you by giving you a kick in the butt.
When we grow up we realize our parents are human like us. Like us, they don't know what they're doing. Sometimes you grow up and you find out your parents know even less than you and behave even worse than you do.
You could try and talk to your mother and say, "When you said <insert quote> it really hurt my feelings. I felt like you don't want me around."
I was also unemployed for a long time after graduation. The key is not to give up. Oh, and lie on your resume. After a long unemployment one of my friends reworked my resume filling it full of lies and half truths. I got a job. You can't get a job without experience and you can't get experience without a job. Crazy world.
Take a deep breath. Keep your chin up. Tomorrow is another day.