it's perfectly fine to sleep more than an average person;
someone needs to
be on that side of the bell curve. if you find some things in waking life that
truly inspire you, you may find sleep less attractive.
it's okay to be quiet and shy too. if you make yourself available to listen
to others, and remember some of what they say, gaining friends might
be less of a battle and more of a series of opportunities.
on your
main point:
i would chock up the missing funds to forgetfulness.