Claire Hail’s morning collapsed in less than a minute. While trying to pay her rent, her bank card was declined three times in front of her landlord. Embarrassed and confused, she opened her banking app only to discover that every account she owned — checking, savings, even her emergency fund — had been drained to zero before sunrise. As alerts for completed transfers flooded her phone, another call came through from her father. Calm and confident, he informed her that the money was no longer hers and claimed he was “teaching her respect” for becoming too independent. Claire realized with horror that her own family believed they had the right to control her finances and her future.