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I remember the day vividly—it was a typical Tuesday evening, and I was standing in the checkout line at my local grocery store, my hands trembling slightly as I fumbled through a chaotic pile of loyalty cards. Coffee stains smudged the barcodes, and one card had even snapped in half from being crammed into my wallet one too many times. The cashier’s impatient sigh echoed in my ears as I finally found the right card, only for it to be declined because the points had expired. That moment of sheer

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