Introduction: One Click. Your Entire Savings Gone. Imagine waking up one morning, checking your phone, and seeing an SMS that says your bank account balance is now zero. No warning. No chance to stop it. It happened while you were sleeping. This is not a story from a Hollywood movie. This is what happened to a Kathmandu-based teacher in 2023, after she clicked on a link sent through a Facebook message that looked exactly like it was from her bank.