You must have had that happy feeling (happiest of all when it’s still a day or two to payday and you know that your balance is paper-thin) when you’re withdrawing money from a cash machine and, even though you’re still nervously watching the ATM screen telling you that your request is being processed, you hear the motors in the cash dispensing machinery start to spin up. That means, even before any banknotes get counted out or the display tells you the final verdict, that [a] you’ve got enough funds, [b] the transaction has been approved, [c] the machine is working properly, and [d] you’re about to get the money.

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