One morning, I checked my bank account and discovered that someone had mistakenly transferred $19,456 into it. At first, I thought it was a joke. I checked my balance three times to make sure I wasn’t dreaming. A few hours later, I received a phone call from an American man named Michael Anderson. “Hello, sir. My name is Michael. I believe I accidentally transferred $19,456 to your account. Please, that’s my money. Can you return it?”