You write well. Well enough to contradict your own title.
All the same, I wouldn't say it was wise doing what you did with the car. Your mother was right. Something like that might be acceptable for a guy to do, but for a girl it is too dangerous and I'm sure you can figure out the arguments why.
The good news is, all the things you've stated can be fixed and I feel most of it can be fixed by actions YOU can take. If you seek knowledge and you seek a better position in the job market, allow me to start by recommending college. If you haven't already, look into community colleges as they generally tend to add the most bang to your future wages for the buck.
http://www.bls.gov/emp/emptab7.htmOverall though, what you're father says is still wrong. Even without this, you're still gaining experience while he gathers none. When it comes down to it, even if you're volunteering, you're gaining something more valuable then he is.
He can never write "unemployment skills" on his resume (He'd be laughed around the block, he might even have to lie about the time he was out of work to get back IN the job market if he is out long enough) but you'll have a host of new talents and experiences to add to that paper when you're done. You won't beat him over-night, but frankly in the long run, you'll win the race, especially if you boost that resume with some academic training.
Don't get me wrong, college isn't something easy, it is inherently a place that requires great discipline and perhaps more patience then you'd ever imagine giving it. However, even in the most boring of subjects of only academic use, you'll aggrandize skills and traits that transform you as a person. Skills like patience and listening will transform your relationship with your family and friends.
In other words. If you feel stupid, rectify it with the art of studying. I certainly won't tell you to stop picking on yourself when such a great opportunity could be reaped from your own words.
PS Don't ever use his unemployment to insult him. Men tend to be rather picky about this and can tend to have a short temper on the matter. Don't burn the bridges down with your family, it's worth the extra effort spent repairing them instead.