You actually died 6 years ago, this is purgatory.

The rule is that if its soft food as bread or jelly, its all compromised and should be thrown. If its hard like cheese, you can cut the mold and consume since the mold probably didn't get that far inside

If there is visible mold on a part of a surface, then it's reasonable to assume that a much larger part of that surface already has mold, it's just not visible yet. Bread is basically a sponge, the surface of a sponge is the entire sponge, so that mold can have spread everywhere in the bread.

I found this overview which looks right to me: https://www.eatingwell.com/article/91553/4-moldy-foods-you-can-eat-plus-which-foods-to-toss/

Should you be dead from eating mold? I suspect that it's a lottery with many factors: which types of molds that you have eaten, the quantities, your immune system, ... But keep at it and eventually you might win a price.

For marmelade / jam / jelly it depends on the sugar contents. I don't know how much it has to be but if it has high enough sugar contents, you can indeed take off the mould generously and eat what is under it. That said - gross! Just don't let foods spoil. Buy what you need and plan ahead a bit.

The key part is that your immune system is used to various mold and parasite infections and you're fine, but if you become immune compromised or old then the same thing you did before can kill you. That's why people who actually get infected with things like water born parasites are usually very old or sick.

In with you and I'm still alive. Food is too expensive to throw out.

There are worst ways to die than keeling over after eating. I'll take it.