kika_meow
It's a material challenge, a temporary setback, and it's often these things that make you stronger if you don't let them consume you. It might teach you some important lessons as well. And usually, it's in times of great need when you begin to see who your real friends are.
I guess the good lessons earned are the positive outcome in every card, and you're right, as a pentacles card, it's all about materialism, and as a 5, is all about challenge and setback.
You're also right, this card is kind of a proof that true friends stay with you even when you're passing through a rough time!