You're overthinking this. People don't add up the value of a "mate" and pick the highest valued one. They look for someone they get on well with. No one cares if you fear driving, no one cares if you have student loans. Maybe you should talk to friends about your problems, I know when I did I discovered everyone's got problems, mostly the same as mine, and no one gives a shit, including their girlfriends. No one's perfect.