Is praying without ghusl kufr?

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?