This has been around for at least few months now. I like it because it's much more user friendly and faster compared to the one at my brokerage account, without the hassle of logging in.
I think what you outline is the steps that would maximize one's chances of continuing to be in the situation that you're in. Your actual "success" would depend on how fast you get out of this situation. It seems in general it would be really heavy on one to deal with all three at at time and would prevent him from focusing on any of them.
Have you tried different avenues of reaching out to new users ? Have you tried to take and accommodate feedback from your users ? Have you tried different features ? If you think you've done your best and can't do anything more than it's time to quit. Is it worth putting in cruise control ?
I don't know how passionate you feel about your startup idea. I would take the plunge, as if I hunker down, my startup will never take off for sure. As others are mentioning it would be valuable lesson at worst. Your risk minimization instincts are making you think about recession and stuff. In my view, economic environment would only add very marginal risk to the risk that you would already take by going for your startup. I wouldn't be rash, but I would take the plunge.