The pennies were just the opening act. In this episode, the breach finally shows its teeth. Fred walks step-by-step through the moment the “weird little charges” turn into a full-on hijacking of Iron Bean Coffee’s business account — and the sinking feeling that the bank isn’t nearly as panicked as he is.

From ACH codes and small-print disclosures to dead-end phone trees and “there’s nothing we can do” call-center scripts, Act Two pulls you inside the mechanics of how the money actually moved, who touched it, and how easy it was for someone in a different state to reach into an Ohio roastery’s account and walk away.

It’s part crime scene breakdown, part emotional autopsy: the anger, the confusion, the urge to smash your laptop, and the moment Fred decides that if nobody else is going to treat this like a real case, he will.

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