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Using BTWifi-Fon does not count against your broadband usage. Many people use it as a work around the cap. Be aware that using BTWifi is slower than your normal broadband and is limited to 8Mbps download speed. You will also be have to log on every 30 mins if you exceed the 10,100 minutes fair usage policy.
No need to apologise about simple questions. They are only simple if you know the answer. Sorry to hear of your problems. It may take time but hopefully things will improve for you in the future. Any other questions or problems just post back and I'm sure somebody on the forum will be able to help.