Coins are sneaky little criminals. One minute your wallet is jingling like a holiday song, and the next it's so empty you could hear an echo. No holes in your pockets or obvious heist. Just gone, like they evaporated into thin air and took your dignity with them.
The real culprit is that tired brains make terrible financial decisions. Not big dramatic ones like buying a boat at midnight (although, respect if you have). We're talking about the small stuff. The vending machine snack you don't remember choosing. The parking meter you overfed by three dollars. The gas station impulse buy that made zero sense at 7am.