What can separate you and a friend?

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In life wee meet people ,some become part of our lives while some just become a passing phase .In my life I have had so many friends but most times i have realized that most of these guys are just after what they can gain from me rather than what we can do for each other. Because of my upbringing I believe that the only basis upon which friendship should be based is understanding, trust, fairness, giving and receiving, in short it should be mutual and not selfish. Many have taken advantage of me especially in terms of money. They borrow money and end up not paying back, some will even say "what is that amount to you after all you have more than I do?" and funny enough i hardly find any of these guys to help me out when I need some little push as there is always one story or the other when I approach them for a little assistance. Except in very few exceptional circumstances and I have thus decided to stick with those who are not just fair weather friends only as for those who are just there for just what they can get I simply let them be and never go an extra mile for them when they come around. Anyone here who has had such experience before, would you say am asking for too much?