It sounds like you didn't get the loan because you have no credit history.

And yes, I do get miffed when I see those around me swim far too easily in this ocean of life when I try to do everything and can barely keep my head up. There are those on the extreme too who will fall in a bucket of crap yet come out covered in gold. My brother is one of these. He is irresponsible and immature yet seems to have it all. Life seems too easy what with everything handed to him. At age 48 he still has the sense of entitlement of someone much younger. The latest? He once again quit a job and sat around doing nothing only looking for a job when his severance came to an end. He walks in and cons his way into the first position he applies for - six figures too. How the heck does he keep doing this?

It miffs me to no end.

Meanwhile I feel like I can't win.