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Where People Lose Money

Most people assume financial loss comes from dramatic hacks or headline-level breaches. It doesn’t. It comes from quiet drift. ➢ Recurring subscriptions. ➢ Duplicate SaaS tools. ➢ Trial-to-paid conversions. ➢ Transaction padding. ➢ Recovery scams after small disputes. In this episode, we break down the micro-theft model, subscription hijacks, and the second danger window, the moment after you discover a bad charge. This is not fear-based content. It’s pattern recognition. Because loss doesn’t explode. It accumulates. February Series: Digital Exposure & Financial Drift Next: In March we move from drift → architecture. ________________________________________ Chapters 00:00 – The Headline Illusion 00:01:20 – Financial Leakage (The Slow Leak Model) 00:02:05 – The Micro-Theft Model 00:02:40 – Zombie Subscriptions 00:03:20 – Duplicate SaaS Accounts 00:03:58 – Silent Trial Conversions 00:04:45 – Subscription Hijacks 00:05:30 – Transaction Padding 00:06:25 – The Second Danger Window 00:08:10 – Recovery Impersonation Scams 00:10:45 – The $49 Catastrophe Case Study 00:12:30 – Why Smart People Miss This 00:14:00 – Procedure, Not Paranoia 00:15:20 – The 15-Minute Monthly Checklist 00:16:30 – Alert Configuration Strategy 00:17:50 – It’s Not an Attack. It’s Drift. ________________________________________ Hashtags #digitalstewardship #financialdrift #subscriptioncreep #cyberrisk #onlinefraudprevention #digitaloperations #founderrisk #systemsthinking #accountsecurity #digitalexposure #reputationarchitecture #webinfrastructure #riskmanagement #operationalclarity #authorityoverhype