There are good girls out there....I'm one of them. (Mt. Biker don't even try to say that I'm not!) I DO however hang out at clubs...but not many good girls hang out there. Personally I think what your problem is that you are depressed and that shines through when you talk to people. So does your attitude of there being no good people in general out in the world....You need to figure out how to make yourself undepressed and pleasant to be around and then the girls will stop thinking that you are beneath them. It's odd to me that you work out and take care of yourself and still seem to have a poor attitude towards the public. you're supposed to be producing more endorphines than the rest of us, which are supposed to make you more positive to be around. Try finding girls that are into similar stuff that you are. Join a co-ed sport or something. This will at least get you into the social circle and will make it a hell of a lot easier for you to be able to talk to girls.
Then again I could be totally off base with this.....