So here's one for the group chat. Banks put out a warning this week: if you've bought an iPhone lately, check your statement. RTHK says almost 700 people have reported unauthorised purchases, someone using their card details to order a phone that showed up nowhere near their house. Not small stuff either, we're talking proper iPhone money, HK$8,000, HK$10,000 a pop, times 700.

Here's the bit that gets me. Nobody's saying how the scammers got the card numbers in the first place. Banks are telling you to watch your statement, which is like the fire department telling you to watch for smoke after they already know where the fire started. If 700 people got hit the same way in the same window, that's not 700 separate mistakes, that's one leak somewhere, and the polite word for "we don't know where" is "under investigation." Meanwhile you're the one refreshing your banking app at 2am wondering if your next headache is a phone you never touched.