Three recent moments:

79.

I keep a spare CTA card and $20 in a Ziploc bag that I take when I'm cycling. When I can't find my wallet I use this baggie to go downtown to see if maybe, just maybe I have left it on my desk.

The wallet's not there, so I return home on the train, resigned to having lost it. I'm feeling sorry for myself and calculating the expenses and hassles I'll have to bear. They are not many, relative to the grand scheme of things, but still I'm not in the mood for the deaf panhandler who walks up the aisle, and neither is the mentally retarded man in front of me who angrily points to the "No panhandling" sign.

Likewise, I'm not in the mood for the sick boy across the aisle who is throwing up into his grandmother's lap, but there's no "No vomiting on Grandma" sign for me to angrily point to.

80.

A few hours later there's a message from Visa's fraud-prevention department. I call and talk to a woman who says it was suspicious that my debit card was used to buy gas on the South Side that morning.

That's right: Buying gas is so out of character for me that it sets off klaxons at Visa. As if there were ever doubt, I think this cements my all-important bike cred.

"How did you know I hate cars?" I ask.

I'm strangely relieved to know that my wallet is now stolen and not just hiding under laundry -- if ever I am blessed enough to have a say in the matter, I'd choose to be the shlemazel over the shlemiel -- but it is somewhat alarming how well Visa knows my patterns. Will I get similar calls if I start buying low-fat milk instead of skim or start buying clothes anywhere other than Sears? If I attempt to buy dinner for two, will it go through?

81.

My roommate's wallet is on the dining room table. I look at it with the nostalgia of a pensioner. "I remember when I had a wallet ..."