Here we go again. Another day, another massive data breach, another carefully crafted corporate apology that lands with all the sincerity of a politician caught with their pants down. Last week, TechGiant Inc. (not their real name, but you know exactly which company I’m talking about) finally admitted that hackers had accessed the personal data of 37 million users. Names, addresses, phone numbers, and for the really unlucky ones, partial credit card details and location…

I’ve always prided myself on being financially responsible. Not in a “I’ve got six months of emergency savings and max out my pension contributions” kind of way (though honestly, good for you if that’s your situation). More in the basic “I generally know how much money I have and don’t spend more than that” sense. Pretty low bar, right? Well, automated payments have a funny way of making even that modest achievement feel like scaling…