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Rain smeared across the bus window as I watched the neon "OPEN" sign of Brew Haven blur past. My knuckles whitened around my empty travel mug - third day running I'd skipped my morning ritual because that overdraft fee gutted my coffee fund. That's when my thumb instinctively swiped left on my homescreen, landing on the blue-and-white icon I'd ignored for weeks. MyPoints Mobile wasn't some abstract rewards program anymore; it became my caffeine lifeline the moment I scanned yesterday's crumpled

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