The first time my roommate Nick joked about being an ATM, I just laughed.
“Wouldn’t it be great if you could just text me for cash?” he said. “Like a personal ATM. No fees, no stress. Just instant withdrawals.”
“Yeah, sure,” I replied, scrolling my phone, not giving it much thought.
At the time, it sounded like one of his usual bits—Nick had always been a generous guy, the type to cover dinner without a second thought. But looking back, that was probably the first sign.
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