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It was 2 AM on a rainy Tuesday in Montmartre, and I was stranded outside a dimly lit boulangerie, shivering under my thin jacket. My train ticket back to the hostel had vanished—probably slipped out when I fumbled for euros at the metro—and all I had was my dying phone and a growling stomach. Panic clawed at my throat as I imagined sleeping on a bench; the last bus left hours ago, and my wallet was snug in my hotel room, miles away. That's when my fingers, numb from cold, tapped open MPay. I'd i

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