O

n the side of the busiest road in Bali, I nervously clasp a stack of notes. Such are the struggles of a new, 22-year-old newly minted millionaire.

You can’t help but feel like a target when you’re holding eight million in cash, whatever the currency. As I try to contain the bills, fingers splitting the notes into more manageable sections — three lots of 2,500,000 notes and one of 500,000s — I feel like a sitting duck too.

I’m in Indonesia, the southeast Asian republic where £1 is around 19,000 rupiah and, as I find out during my two-week schlep around the island of Bali, very reliant on cash. Only 49 per cent of Indonesians had a bank account in 2021, rendering paper notes

The Flash Sale.