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african american old man transaction displeased transfer annoyed troubled mistake try upset grandpa application confused authentication customer balance blocked bank phone bankrupt gadget bearded connection buy budget grandfather stress retirement sad sadness pensioner distance account fail worried anxious banking app retired buying cellphone bald cellular card credit furious device internet difficult debt elderly consumer error dissatisfied expression online failure financial finance ecommerce fraud electronic funds frustrated hold incorrect home complaint irritated lack lost data male bad mature digital mobile money