It’s embarrassing to admit as a finance academic but I’m bad with money. Not bad like I’d lose it all on a blackjack table, or have no money to buy lunch, but bad with payments. I have bank accounts in different countries, multiple Paypal accounts, a cryptocurrency hardware wallet and various ATM cards that lurk around my bedroom. I have only a vague awareness of how much money is in each and mostly go with the flow when I pay for things. Needless to say, I am being shafted by a bunch of payment providers in terms of fees, but I neglect to resolve the issue. Usually, apart from wasting money, this constant state of organised chaos never causes problems. But sometimes things go wrong, and my fragile payment ecosystem spirals out of control. This happened during my recent trip to Cambodia.