I wish I could help. Maybe if you think of doing something for yourself you will be able to rationalise that it will enable you to do even more for people you care about.

I don't think the universe is telling you something. You have just hit a run of bad luck. Stuff happens, and when we ask "why me?" the answer is usually "why not me?"

Once three tornadoes struck the same Kansas town on the same day for three years. A small part of western Iowa is suffering extreme drought while neighbors twenty miles in each direction are getting some rain. These are things that just happen. Your bad luck is a similiar juxtifcation of events. Who knows, in a year or two, you will be blessed with good luck.

I know how it feels to have things crash in, but it can get better in time. Don't give up.