I don't know if it will help, but you might remind yourself that your feelings are based on your past experience? Maybe "borrow" $20 from the boyfriend more often (even occasionally spend it :-) and get your experience a little more even and then you might not have as much trouble borrowing when you truly need it, like now.

I had Citibank (now Citi) do that with my credit card in the 1970's and not bother telling me, they just didn't send me a new card and I had to call them to have them tell me they'd cancelled! Nowadays, I prefer to think of it as that bank having troubles (I'm the right size, it's the pants that don't fit) and I steer clear of that bank.

Can you think how "rich" you'll be again when all these idiots give you back the money they took? :-) That would make me feel better, that next month I'll be back on track?