You’re in the middle of town, and you’ve lost your trousers. Why do you keep doing that? Oh god, they’ll definitely prosecute you this time.
You’ve asked a few kind looking strangers for help but no-one can spare you any clothes. Change is out the question too.
But hang on, you’ve still got your mobile in your shirt pocket? And there’s fifty quid on it!
“You’ve got money stored on your mobile phone?” says Stinky, your new best homeless friend.
“D-uh!” you say, “It’s the not too distant future, and everyone has a bit of money stored on their mobile.”
Thank god you transferred fifty quid from your bank account into your Beem account. You were supposed to have used it to settle your phone bill, by texting the command “Beem77  BT 35.00”. But thank god you didn’t because now you can use the money to get a cab home.
But you can’t find a cab to take your money. “Why not, it doesn’t cost traders anything to accept money by Beem,” you say. “All you need is Internet access.”
“Oh we got a Beem account alright mate,” says the mini cab controller. ”But you smell and I don’t go south of the river.”
It looks like you’re going to have to spend the night in a cardboard box with Stinky.
But hang on, surely you could use this Beem account to text some money to the local 24 hour Tesco, buy some cheap trousers, then walk back to to Broadwick Street and sleep on the office floor.
Sorted!
"Can you spare me some change,” says Stinky, as you stride purposefully off to the shops.
“Get a job smelly,” you say. Let’s hope this Beem thing is secure though, eh?