In late April 2021, Sumit Maniyar was on his way to the office when his car briefly slowed at a traffic jam on Bengaluru’s Bannerghatta Road. As the founder of India’s fastest growing tech start-up1 glanced out of the window, Maniyar observed a senior citizen pause outside a pawnbroker’s office. Before the elderly man entered the almost broken-down structure, he discreetly scanned his surroundings and tightened his grip around a plain brown paper bag. When his eyes met Maniyar’s, a sense of discomfort and anxiety appeared on his face
