This is an 80s kids movie. And 80s kids bands. Or more specifically, 80s teens stuff.

I was born in the 80s, and I think I watched this movie once but it was definitely less a part of my cultural upbringing than OG power rangers and Ace of Base, lol.

And it’s even better than you described. The one time token isn’t a new card number, it’s not a card number at all. It’s basically Apple saying “yep this is legit” to the other computer, and then the two banking systems do their money transfer on the back end.

Even if someone could intercept it and decrypt it, it would be completely useless because that’s just not a thing.

Pretty sure Google does basically the same thing. Never used it though.

Set up a philanthropic trust, invest it in a relatively safe mix of stocks and bonds, and set up distributions as a % of growth to a bunch of institutions I think are super important.

After buying a nicer house and paying off family debts and stuff of course.