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That fluorescent glare in the grocery store felt like an interrogation lamp. My cart overflowed with diapers and formula—essentials for my screaming newborn at home—while the cashier’s scanner beeped relentlessly. Then came the gut punch: "Card declined." Again. My face burned hotter than the broken AC vents as the line behind me sighed in unison. I fumbled with my phone, thumb slick with sweat, checking bank apps that showed outdated balances. Desperation clawed at my throat. This wasn’t just e

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