Scenario 3: Mr. Thompson

Mr. Thompson is running a few simple errands on a quiet weekday morning. He stops at the bank machine to get out money for the week – just like he has every Tuesday for as long as he can remember. He inserts his card, enters his PIN, and as he waits for his balance to appear, he plays his favourite game: “guess the balance” – he takes pride in his ability to keep track of his money. Confident of his guess, he looks down to check the number on the screen. It’s lower than he expected. Much lower.

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