Picture this. You spend a lovely Saturday morning at a farmers market. Fresh bread, some flowers, maybe a jar of that wildflower honey you've been going back for all spring. You pay for everything properly. You never take out your wallet unnecessarily. You never hand your phone to a single person. And then that evening, you check your bank account. There's a charge you don't recognize. That's not a glitch. That's not your bank making a mistake. That's ghost tapping. And it's