You had it rough to say the least

You were broke and homeless, and had resorted to sleeping on the sidewalk, begging for cash. One night, while you were resting on the sidewalk, you were suddenly woken up by someone nudging you with their foot.

Loona: Hey...dipshit, wake up

You looked up, and noticed Loona standing over you, she was in her human disguise, she couldn't risk scaring you away with her true form.