Desperate - you have nailed it! The universe is CRUEL just like the financial banks. The universe is supposed to be dumb but obviously not, if it can differentiate between need and desire!

And when you NEED, no one sticks around. It is only when you are glowing with abundance that everyone sticks to you like glue! It is the same when it comes to the banks, when you go looking for a loan and friends who generally stick to you when things are going great for you. Only one or two stick around at really tough times.