The universe never defaults on its’ payments if you walk by faith and not by sight. A person who truly believes that all things work for their favor knows that you can expect a return on whatever you put out into the universe. You should wake up every day like it’s Christmas, with a childlike spirit expecting God to show up with gifts under your tree of life. I’m talking about things that you believe and pray for yourself, not others. You cannot expect the universe to give to others what you pray for them. Everyone is responsible for their own prayer life and level of belief. That does not mean that you stop praying for them, it simply means that you pray with the intention of hoping that person will be affected by your prayer life, and in turn start believing for their own blessings. Like people say, you can take a horse to the water but you can’t make him drink. Although as humans we sometimes default on the payments that we owe in life, the universe always pays its’ bills on time. Not man’s time, but God’s time.