Ladies, do you think you could help a guy out?

You sound like a respectful, responsible young gentlemen. Most girls appreciate that. Sounds like your kind of lonely and would like some company, someone to share your life with like a partner. Doesn't sound like your doing anything wrong and as for everyones mental age, I agree. Most guys your age are egotistic and drink, party, smoke, etc. Just keep being the friendly young man you seem to be and the right person will pop into your life when you least expect it. :) Good luck.