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Sam, just man up and apologize. Some people think you are a monster. Some people think you might be doing the right think, kinda. Guess which ones are louder?

It's not just that you took the money. You also insulted everyone for being so shallow, when they were trying to be nice. Trying to take the moral high ground is never a good idea, when people think you are wrong. And some people will think you are wrong.

Just use the line: "Yeah, I was wrong to take so much. I'd give it back, but some other jerk will just transfer it all, now that the vulnerability is public. Sorry. So I'm giving it away. But please remember, if I hadn't found out that you could transfer the funds, somebody else would have. These sharing apps are great, but they have to be set-up so that no one person can bring them down. Sooner or later, it was bound to be exploited."

You could also suggest a fix - "this would work, but only if people only donated small amounts. Nobody will transfer the funds if there's just one or two coffees. It would be safe to start the card again if everybody would try to keep the limit under $20.".

Also, you could suggest that the card occasionally put out public service announcements. Aside from warnings about high limits, it could ask the iPhone toting yuppies to throw a few bucks towards the Horn of Africa, which is experiencing the worst famine in years. Or donate to a local charity. But don't make it sound like you are taking the high ground.




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