My taxi driver must’ve honked the horn an excruciatingly obnoxious amount on the way home, but I was feeling generous and threw him a hundred as I stepped out onto the sidewalk. I shut the door, my oversized T-shirt almost getting stuck. Luckily, my reflexes grabbed it and prevented me from almost being dragged down the streets of New York.

I reached inside my bag for my key while I was heading up the stairs to my loft apartment. It sounds fancy, but in reality it was the cheapest one I could...