payment trauma recovery 2025-11-01T13:06:44Z

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Rain lashed against the taxi window as London’s streetlights bled into watery smears. Jetlag clawed at my eyelids when the phone screamed – not a call, but a series of frantic WhatsApp voice notes from my brother. Ma had collapsed at a night market in Macau. "Emergency surgery deposit... 200,000 HKD... now or they won’t operate," his voice cracked like splintering wood. My credit card limit choked on the amount. Traditional wire transfers? A 24-hour purgatory of forms and intermediary banks. Eve

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