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Rain lashed against Changi Airport's windows as I stared at my empty wallet - stolen somewhere between baggage claim and the taxi queue. That cold panic crawled up my spine when I realized my physical cards were gone. My traditional bank's "24/7 helpline" put me on eternal hold while the robotic voice cheerfully reminded me of overseas transaction fees. Then I remembered the neon-green icon on my homescreen.

That sickening lurch in my stomach when the waiter's smile froze mid-sentence - I know it too well. Last Thursday at Le Bistro Blanc, with six European investors eyeing their digestifs and the €2,300 bill mocking me from its silver tray, my world compressed into the chip reader's blinking red light. Three years ago in Milan, a similar decline cost me a textile contract worth six figures. This time, my phone vibrated - a lifesaver disguised as a push notification.

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