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That Tuesday morning still burns in my memory - rain smearing my kitchen window while I frantically stabbed at my phone with greasy fingers. I'd just spilled coffee across three overdue bills when the notification chimed: "FINAL REMINDER: TAX PAYMENT DUE IN 2 HOURS." Panic seized my throat as I juggled banking apps like a circus clown on a unicycle. SBI for the tax, HDFC for EMIs, Paytm for utilities - each demanding different passwords, each flashing angry red warnings. My thumbprint failed twi

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