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Chapter 2 - Insufficient Funds

David’s morning routine was as predictable as the tides. At 0915, he would roll out of bed, ignore the dirty dishes, and drive his leased Porsche to the artisanal coffee shop downtown to flirt with the barista. Today was no different, except the wife he thought he had broken was currently authorizing satellite surveillance arrays for the Pacific Fleet.

My phone buzzed with an alert. Transaction Declined: $7.45 at The Roasted Bean.

I permitted myself a small, tight smile and went back to my intelligence briefing.

Across town, David stared incredulously at the barista. "Run it again," he demanded, his face flushing as the line of commuters behind him sighed in annoyance.

"I'm sorry, sir. It’s saying the account is closed," the teenager replied, handing back the heavy metal platinum card.

"That's impossible. My wife is a Navy Captain, there's over eighty thousand dollars in that checking account," David snapped, pulling out a backup credit card. He swiped it. Declined.

He stormed out of the coffee shop, humiliated, leaving his drink on the counter. He yanked his phone from his pocket and dialed my number. It went straight to voicemail. I had blocked him the moment I stepped on base. Next, he tried to open his banking app. A red error message flashed: Access Denied. You are no longer an authorized user on this account.

Panic, cold and sharp, finally pierced his arrogance. He sped back to the house, his tires squealing into the driveway. He burst through the front door, shouting for his mother.

Barbara was in the kitchen, furiously tapping a butter knife against the marble counter. "The electricity just shut off," she snapped, looking up at him. "And the WiFi is dead. Did you forget to pay the bills again?"

"I don't pay the bills, Mom, she does!" David yelled, his voice cracking. "She cancelled the cards. She locked me out of the bank accounts. All of them."

Barbara’s smug demeanor vanished, replaced by a pale, trembling realization. She hurried to the master bedroom, throwing open the closet doors. My civilian clothes were still there, but my uniforms, my safe, my go-bag, and every single important document—passports, birth certificates, deeds—were gone.

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"She's throwing a tantrum," Barbara said, trying to steady her voice. "She'll be back. She has to come back. We have the upper hand."

They didn't realize they were already standing in a minefield.

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