
On Friday morning, I woke up late, rushed to the tube, tapped in with Apple Pay, only to discover a few minutes later that my payment had been declined because I had insufficient funds. Figuring, “Well, it’s January”, I went to check my bank balance.
But rather than seeing an overspend or a direct debit I’d forgotten about, I saw three enormous charges from the food delivery service Deliveroo from the night before. They weren’t mine.