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The scent of cumin and saffron hung thick in Marrakech's Djemaa el-Fna as merchant Ahmed unfurled his masterpiece - a Berber rug woven with stories in crimson and indigo. Sweat trickled down my neck despite December's chill, not from the lantern-lit heat but from the dread pooling in my stomach. That intricate textile represented six months of savings, yet my bank's fraud algorithm had chosen this precise moment to freeze my accounts. "Card declined," flashed the POS terminal for the third time,

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