Why Does 'Mama'S Bank Account' Resonate With Readers?

Every year on the day the SAT results are released, I spend the entire day kneeling at my mother's grave. Three years ago, I fell for a phone scam and transferred all of the tuition money she had saved through years of diligently saving up to the scammers. Unable to take the sudden blow, Mom suffered a fatal heart attack. After she passed away, debt collectors began showing up at our door. Only then did I learn how much money she had borrowed just to keep us afloat. I have no choice but to give up my admission offer from Jaloria College. Working five jobs a day, I finally repay every last debt today. On the subway ride to the cemetery, I suddenly come across a streamer whose voice sounds strangely familiar. She blabs, "How do you teach kids the value of earning money? In my experience, extreme circumstances work the best. I deliberately created a scenario for my daughter where both her parents are supposedly dead, and she inherited a million dollars of my debt. "She's almost finished paying it off now. Tell me, can your kids do that?" Someone in the comments section questions her methods, saying it is too insane. She only grows more smug as she gloats, "So what? She's the one who was stupid enough to get scammed. I was just teaching her a lesson. As a reward for doing so well, I'll tell her the truth on her birthday five days from now. Any sensible child will understand their parents' good intentions." As she gestures animatedly, a crescent-shaped birthmark on her wrist comes into view. It's identical to my mom's. My hands tremble as I create a new account. I switch the profile picture to a man in a suit and change the background to luxury cars and mansions. Then, I send her an expensive virtual gift. While she excitedly thanks me, I leave a comment. "You're absolutely right, ma'am. If only I had a smart woman like you around to help me raise my children."

After being reborn, the first thing I do is bind myself to a transfer system and agree to my mother's proposal that the whole family splits expenses equally. It is because in my previous life, after I refuse the transfer system, my mother throws a bill at me and demands repayment. The bill lists every expense from my childhood to adulthood. There are small things like the cost of an eraser or a pencil, as well as big ones like tuition and living costs. "The total cost of raising you is one million dollars. On top of that, the money your brother needs for his wedding, car, and house are all family matters. So, we will split them equally. Taking all those into account, you need to repay us three million dollars in total." So right after graduating, I fall into a massive debt of three million dollars. I do not finish paying it off until I am 38. Just when I try to break away from my family and look for my own happiness, my parents start a livestream and curse me for being a terrible daughter. They claim that I abandon them in our hometown while running off to a big city to chase my own freedom. As a result, I face overwhelming criticism online. I fall into depression for two years, and on my 40th birthday, I accidentally fall from a building after getting drunk. When I open my eyes again, I am back to the moment when the transfer system first appears. This time, I say firmly, "Bind me to the system."

At a family dinner that weekend, my sister, our relatives, and I played a reverse version of "Never Have I Ever," where you bragged about stuff nobody else had done. By the third round, everyone was getting into it. Uncle Danny bragged about seeing the city at four in the morning. My cousin Kenny said he could play three instruments. I said I'd traveled to three countries for work. Then it was Sophie's turn. She lifted her chin, eyes lighting up. "I own a condo that's only in my name." A beat later, she added, "Mom bought it for me. She didn't want my future in-laws looking down on me after I get married." The table went dead quiet. I looked at Mom on instinct. She lowered her head and messed with her apron, refusing to look at me.

My mother was the president of a listed corporation, she was both rich and powerful. More importantly, she loved me more than anything in the world. Meanwhile, my father was a man who cheated on her. When he found out his mistress was pregnant with a girl, he beat her until she miscarried and ended up in prison. So when the judge publicly asked me to choose between my mother and my father, everyone assumed the custody battle was just a formality. That was until I walked past my mother's trembling, outstretched hand and firmly chose my father instead. Everyone was shocked into speechlessness. In my previous life, I had chosen my mother, the one who spoiled me rotten. She was the type to buy the whole bakery just because I casually mentioned I wanted their cake. When I complained it was too sunny, she immediately arranged for four helicopters to put up a sunshade cloth and shade me. She even deposited a hundred thousand dollars on my school meal card because she was worried I wasn't eating well. Even though she spoiled me like a true princess and paved the way for me through life, I don't want anything to do with her in this life.

My mother had a rare disease. After months of dead ends, I found one person in the country who could treat her. She told me there was a price. She said she needed a husband. I agreed. For my mother, I agreed. For six years I was her ATM. I bought her the bags. I bought her the watches. It got worse. She used my money to keep a kept man. She brought him into our bed. The day my mother had her last surgery, she walked out of the operating room halfway through to go celebrate her lover's birthday. The moment they pronounced my mother dead, I decided there and then, she was paying for that with her life.

After my wife, Shannon Stewart, suggests that we each support our own parents, I set up a million-dollar retirement fund for my dad. However, when I review this month's household expenses, I notice that every single payment is made for the father of Sean Gardner, her childhood friend. "Sean's family is struggling. Why wouldn't I help them out? It's not like it's a lot of money." Shannon brushes it off. There are 13 separate expenses of around 100 dollars each in a single month. Yet when my dad needs 300 for medical bills, she prints out the receipt and tells me to reimburse the household account. Tired of arguing, I toss the statement aside and head inside. Then my dad's condition suddenly worsens, and he's hospitalized again. I rush to the bank to withdraw money from the retirement fund. "Your father isn't the beneficiary of this fund," the bank employee states coldly. "Are you sure you have the right account?" My mind goes blank. How is that possible? Every cent in that account is my hard-earned cash. The employee impatiently turns the computer monitor toward me. The account name on the screen clearly reads, "James Gardner's Retirement Fund." James is Sean's dad.