Imagine you’re sitting down to watch your favorite evening quiz show, armed with a cup of tea and the smug satisfaction that you know the capital of Peru. Suddenly, the phone rings. It’s your grandson, Timmy. He sounds frantic. He says he’s in a Canadian jail because of a massive misunderstanding involving a rental car and a flock of aggressive geese, and he needs $2,000 in gift cards. Right now. In the good old days,…