Hi Verlon,
Great to hear from you again! I'm with the consensus on the mismatched music and lyrics.
You may not have known there's a key change, but you do have a great sense of melody, and I think with the right backing and twang in the vocal, this song would live up to its lyrics.
I suspect I'm like you in that it took me a long time to "hear" chords - and even though I've got a lot better, I'm still not the guy who can listen to something, stroke his chin and say "Ah, a C13♭9♯11 - how
fascinating..." (There are several of these on the forum, and they will surely die alone.
)
One thing that helped me learn was singing harmonies to songs instead of melodies. It made me aware of the possibilities, if that makes sense...
Matt