Kevin’s phone buzzed at 2 AM. “New login to your bank account from Nigeria.” He sat up fast. He hadn’t been to Nigeria. He hadn’t even been on his computer. But his password had been stolen in a data breach three months ago. A breach he didn’t even know about. The login failed. The criminal

Sarah’s hands trembled as she stared at her phone screen. Her banking app showed $47,000 missing from her retirement account. Gone. Just gone. Three weeks earlier, she’d stopped at a coffee shop. Used their free WiFi. Paid a few bills. Nothing unusual. Nothing seemed dangerous. That free WiFi wasn’t secure. Someone was watching. Recording. Stealing