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Rain hammered against the taxi window like impatient fingers drumming, each drop mirroring my panic as I patted empty pockets. My wallet? Forgotten on the kitchen counter beside half-eaten toast. The driver’s eyes flicked to the meter—₹487 glowing in red—then to me, his frown deepening with every second of silence. I’d been here before: begging strangers for UPI handles while drivers spat curses about "digital India." But this time, my thumb found salvation in a single motion. One tap. A chime l

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