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Rain lashed against the taxi window as we crawled through Amsterdam's narrow streets, the meter ticking like a time bomb. Jetlag blurred my vision while my stomach churned from questionable airport stroopwafels. "€48.50," the driver announced, his tone flat. I fumbled with my wallet, only to discover my primary travel card had silently expired during the transatlantic flight. Panic surged – cold, sharp, and humiliating. That's when my trembling fingers remembered the blue icon buried in my phone