The part about being there at 9:55. This is how I am as well. I will be early and there if I say I will.My problem was that I used to expect others to have the same virtues that I had myself. If you need a hand, and I say that I'll be there at 10:00, come hell or high water I'll be there at 9:55. If we make an agreement, there's no need for a handshake (you'll most likely get one anyway), or a written contract. My word is my bond. If someone is counting on me for just about anything, I won't let you down. It didn't even cross my mind that good friends and even family wouldn't do the same.
The reality is that as I grow older, I find that very few people have those same virtues. I used to expect them from everyone until they proved me wrong. Now, I expect the opposite until they prove trustworthy/honest/dependable. I have been burned far too many times to count. And I probably will again. But I have learned through experience to be much more cautious.
Not show up 3 hours late and making excuses, without even calling to let me know.
I do not trust anyone anymore. I do not even see a way for someone to earn my trust,and it probably has to do with my divorce as much as it does the cultural shift in human behavior.