1. When you've already promised a cash reward.
2. When you're treating a birthday guest to dinner.
3. When the last ferry off the island doesn't take credit.
4. When your drink is free, but your gratitude isn't.
5. When a surprise bathroom attendant leaves your hands clean and your heart guilty.
6. When — SURPRISE! — it's cover charge time!
7. When you're soooooooooooooo thirsty.
8. When the vending machine is your only salvation.
9. Upon meeting your Craiglist seller in person.
10. After you've received a money clip as a gift.
11. When you schlep all of your clothes to the laundromat, just to forget the most important item.
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