Some things in China are very different from my experience in the United States of America. Like carelessness over financial things and passwords is not as severely punished in the USA. You can forget things, lose things, and get solutions fairly quickly. There are multiple options for getting things "fixed" and people you can "escalate" things to in order to get a solution.
Things like forgetting a pin number on a bankcard. A week after this experience, that's exactly what I did. Oops! What do you do? Well, in America, It's simple. You just go into your bank, show your ID, and get things fixed pretty much immediately. Here I have to go home and find my passport, come back with a Chinese person who has time to help you, fill out forms in Chinese that I have no idea what it says, nor what the tellers are telling me or asking me, so it is imperative that I bring a Chinese friend who can do this for me, interpret, and then in the end you don't get helped right away by the bank, no simple walk to the ATM machine to enter a new PIN code, no, you have to wait a week or two before things are straightened out by an internal review committee, and come back much later, a week later. So if you make a little mistake like forget your pin number (or worse! lose your card), you are out of luck as far as getting your money is concerned. You can't even share a bank account with your wife here. They don't do that. Bank accounts are for individuals. So my wife could not get access to this money either. And she had no money in her account.
My company had to loan me some money in the meantime by paying me back in RMB cash for my expenditures on moving expenses, and I couldn't put it in a bank, so I had to hide it at home in a big cash pile in a suitcase in a closet. That way I could get things, like a phone, buy groceries, pay bills, etc. etc. all in cash. And it was very awkward to get all of this fixed. There are no shortcuts and there is no other way. There is no convenient method that I could find or any Chinese person could offer me. That's because there was no convenient solution, for anyone no matter who you are. There are no credit cards I could go get. I've got ONE card and if I lose it or if it gets stolen I am in trouble for a while. I got cut off from my cash this way in my first month being here because I did make that mistake, until the company paid me my reimbursement cash "early." I could not use my ID a week later at the bank when they told me to return with ID, because my passport ID was tied up at the ChongQing Police Department getting reviewed with all of the rest of the family's passports in order to get our residence permit, and they needed it for a whole week, and so I had NO ID and no way to fix this. I had to wait, a long time (3 weeks total wait). Because I forgot my pin number and used the wrong pin number five times trying to make a withdrawal, my bank ATM locked me out of my money. It now considered it a stolen card. I would have thought that I could've just talked to a teller and fixed it right that very minute. But no, I had to wait weeks, and I needed a passport, something that the ChongQing Police were hanging on to. It was horrible. Just one of those little (yet BIG) unexpected things that I could never have predicted nor known how careful I needed to be with a pin number. Just the first of many such experiences where it is nearly impossible for a foreigner to figure it out.
There will always be opposition in all things. Its just life.