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Sweat prickled my neck as the "Payment Declined" notification glared back from my laptop screen. Five friends crammed in my tiny Berlin apartment, beers sweating on the coffee table, all waiting for our weekly horror movie ritual. My VPN subscription had just expired mid-scream scene. "Hang on!" I barked, too sharply, fumbling with my wallet. Three different credit cards later – declined, foreign transaction fees choking each attempt – and Luca started drumming his fingers. That acidic cocktail

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