That just sounds terrible. I am so sorry you are going through all this. I know we are all different sizes, and I fit a Trek 50cm perfectly. My DH who is a heck of a lot taller fits a 56cm. I could not believe it. I thought for certain he would be on a 60cm, since se has a long torso-yet he simply could not reach without discomfort on the 60cm. On a 56cm he is perfect.
My rambling has a point. I am afraid your bike, from all you have said is way too big. Would the bike store (and in my opinion they should) buy your bike back from you and sell you a bike that actually fits you? Seriously, bike riding should not be painful.
Jennifer
“Live as if you were to die tomorrow. Learn as if you were to live forever.”
-Mahatma Gandhi
"We are what we repeatedly do. Excellence, therefore, is not an act but a habit."
-Aristotle