Sometimes after having a wet dream for example, I just cannot bring myself to do ghusl. I feel incredibly guilty and I’m also scared of punishment, but I have depression and anxiety which just makes showering seem so difficult. I am not saying that it’s justified if I don’t do ghusl, but i struggle with it. It’s kind of become a fear for me to even fall asleep bc I’m scared I might have a wet dream. Am I a kaafir?
The prayer without Ghusl is completely invalid and it's a sin on its own to pray without Ghusl, though not Kufr.
You can literally sleep and not pray Fajr at all than pray It without Ghusl, both are the same thing, If not the second one's worse.
A number of scholars even conclude that praying without Ghusl is Kufr as It is a supposed act of disrespecting Salat.