I agree that life is unfair (out of balance) by definition. For it to be fair, there could be no choice between good and bad..
In terms of Time and Energy being two of the riches commodities we possess in life, the illusion of "Time" certainly is, because it is one of the main things which given to us when we comr in to this physical dimension but, Energy I don't agree since we have that in all the dimensions..
IMHO, what we have unique in this dimension, in addition to Time, is the unique opportunity to grow and evolve, vs. repeating the same cycle over and over again..
Finally, in terms of Love being the "giving and sharing of our time and energy towards wants and desires", I am not sure what you mean by that!? Isn't Love a feeling, a force? I suppose that one could also give and share time and energy without Love! Guilt comes to mind!!!