I was in the academy’s computer lab, trying to catch up on assignments while managing the chaos that my life had become, when my phone started buzzing nonstop with notifications from my banking app. At first, I ignored them—rich people’s banking apps were always sending alerts about investment fluctuations and account activity. But the sheer volume of notifications made me pause. I opened the app and felt my blood turn to ice. Transaction after transaction was flowing across my screen—massive withdrawals from my Swiss accounts that I definitely hadn’t authorized. Millions of dollars were disappearing in real time, transferred to accounts I’d never seen before with names I didn’t recognize. “What the hell,” I whispered, frantically refreshing the app to make sure I wasn’t seeing things.

