Well, first off on the topic of school, it is not for everyone. Obviously it depends on what you want to do with your life, and for better or for worse YOU are the only one who can make that choice because you know yourself, your ambitions, your goals, and your passions better than anyone else. So maybe you take a little time off from school to re-evaluate things and look at what you really want to do (because at the end if the day you need to bring in money but you also need to love what you do) and then go do it. Living on your own, independent from a college for example, can be difficult for someone recently out of highschool, but it can help you more clearly discover who you are and what you would like to do in your life's future as well as teaching many valuable lessons along the way. You might not think you are ready, but I am willing to bet you are. That doesn't mean that it won't be difficult, or scary, or intimidating, but i am sure you are capable if you believe you are and if you want it bad enough.
The bottom line is at the end of the day the choice needs to be yours, not your moms, not your dads, not your friends but yours. And you can choose to tough it out going through a shitty program just to get to a well paying job that you don't really like and then live for the weekends, or, you can find something that you love to do, whether it pays 40,000 a year or 240,000 a year, if it requires a degree or doesn't require a degree. I know that for me personally I would rather make enough money to live a modest life style and love what I am doing than make bank but loath going to work every day.
As for the whole philisophical thing as far as "What is the point? We are all gonna die sometime." well, what if everyone took that same approach? Nothing would get done in this world. Henry Ford wouldn't have started a mighty car company, Michael Jordan wouldn't be the greatest basketball player in the world, hell we would probably all still be living in caves if we had no ambition.
The fact is, we have all been given the gift and opportunity of life, It is a limited amount of time that we have on this Earth and in this world, infact we do not know how limited, and it only makes sense to use our time to the best of our ability. Sure you can sit around, watch tv, get high, get wasted, go party, but at the end of the day is that really what you want your life to be about (by "you" I mean the general mass, but it could be you as well)? I think we have a great opportunity to live full, healthy, productive lives and to not do so, would be to squander a great opportunity. Sure you are gonna die sometime, but others will live on, for how long only God knows. But why not go out, seek your passions, do what you love, and try to make a positive impact on the world? I am willing to bet that you make some good friends, achieve some great things, and have a damn good time doing it.
And, the final thought, as far as getting behind in school and being years begind your friends, it all dpends on how you look at it. If you are going to school for something you really have a passion for and really want a career in, then I am pretty sure you will mkae it through school. Sure you might not like it at the time, but if you have high goals, it is gonna take some hard work, doing some things you don't want to do, and some perseverance to reach those goals. No one said it would come easy, but if you want it bad enough then you can get it. And once you get out of school (if that is the path you take), then you will be ready to go to seek out that job/career you are so stoked on. In some repects you may actually be ahead of your friends because you are fresh out of school knowing exactly what you want to go do and being excited to do it.
So that is my advice post of the day, actually probably the month or maybe the year, but I feel, at least I hope, I did a decent job in trying to help you out.