You are in a major city like New
York or LA or Kansas City at dusk, and your car is hijacked and everything you
have with you stolen. All you have is the clothes on your back and what was in
your pockets: your ID and one debit card with only $20 available on it. You
have thousands of dollars in your savings account, but that doesn't help you
now.
No
phone, no money, no transportation… And you are in big city downtown and you
don't know anyone in the whole state. Without your phone, you don't have a map
with GPS, you don't have all your pay apps, you don't have any contact
information. Whose phone number do you know by heart? Who will you call? Maybe
it's your partner, your mom or dad, or a close relative or friend. What's the
first thing you're going to do? If you're smart enough to have someone's phone
number memorized, you can go find a safe place to call them, if someone lets
you use a phone.
But
darkness is closing in and the area is unsafe. Shadows loom, eerie whispers rustle
nearby, and unsavory types lurk in dark street corners and alleyways.
Your
heart pounds. Your mind races. Tears streak your cheeks.
You
tell yourself to hold off panic. Stay strong. Keep a clear mind. Find help.
You
rush down the streets until you find a local shop and enter it. Someone lets
you use his or her phone. Who are you calling? If that person helps you, how
much money is available to send you? Maybe he sends $150, the price of a burner
phone, but how does he get it to you? If he can Zelle it, will it be available in
your account in minutes? Sometimes it’s not available for days. And does your
bank allow you to take that money immediately? Some banks do not.
You
have thousands of dollars and someone just sent you $150, and it's your money,
but you have no access to it.
But
let's say your bank does allow it, and the shop you’re in happens to have a
prepaid phone, and you buy one and get it all set up and call that person back.
Now all you have is a voice on the phone. You're still in a downtown area with
no money and no one you know. What do you do next?
You
have to go back into the cool, dark evening ripe with whispers and shadows, and
navigate streets you do not know. You need a safe place for the night. You need
a safe place to plan.
You
stop at a local gas station to get cash from the ATM because you're trying to
log into your bank, but it's a new phone, so it's making you do a security
check that is sending the code to your phone that was just stolen. There's no
way to get into your bank account. There's no way to access your financial
institution or Google or anything because it's all locked down and sending
codes to your stolen phone.
The
codes are lost in the void, and you are lost in the city.
Lost
and alone, except for the voice on the phone, the one number you know by heart.
So
at the ATM, you try to transfer money from savings to checking, and it doesn't
allow it. Now, what do you do? You're still on the phone with that voice, that
trusted loved one who is staying up all night to help you. That person finds
you a safe hotel (there are many downtown that are not so safe), transfers
money from his savings account, and books a hotel for you at the safe place.
So
you go to the hotel to check in and discover you must also have a $150 deposit
with your card when you're present right there. He cannot place that online for
you, and they will not check you in without that.
You
have thousands of dollars sitting in savings, and you have no access to it.
Also,
you discover that because your loved one is in a different time zone, the
reservation would only go for the next evening. Not the current evening in
which you have nowhere to go and nothing that helps.
Technology
has locked you out.
So,
your loved one transfers more money from savings into your account so that you
can check in. The hotel allows you to do an early check-in at four AM your
time, which is still two hours away. So after hours of this terror of walking
and talking and trying to figure out what to do and where to go and how to be
safe for the night, that person says goodbye and goes to sleep at four AM his
time.
You
are left alone with the clothes on your back in a lounge area in a hotel where you
have evidence of a reservation that he sent it to you on your new phone. You're
not leaving that safe haven that you just found. You curl up on a chair
and fall asleep, wondering what will happen in the morning.




