Here are some suggestions:

1. Don't take so much stuff to/from work.
2. Get a backpack, then put as much stuff as possible into it.
3. Get one of those airplane carry-on bags (they can be wheeled around with one hand), put all your stuff in it, and put the bag in the trunk.
4. Sell the car. (The insurance co. would likely take a dim view of arson.)
5. Take some Prozac -- you're way too high-strung.

In fact, locking one's keys in the car is not a rare occurrence. If it were, no car maker would bother to include any precautions against it. My '84 Civic hatchback had a similar feature: under normal circumstances, you couldn't lock the driver's door without the key. There was a 2-handed way to override it, but I never used it because I liked the feature. Knowing I couldn't lock the key in gave me some peace of mind. When I traded in the Civic for a Toyota that had no precaution, I had to remind myself again not to push the lock button, but use the key instead.