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As soon as Elrod would exit First Community with a bundle of and 0 bills in her purse, she’d hang a right and walk across the parking lot to Ridgeview Plaza, a vast and featureless shopping mall surrounded by scraggly woods.

She would pass by the drive-through tobacco outlet, the Dollar Tree, and Bellacino’s Pizza & Grinders en route to the mall’s centerpiece, a typically gargantuan Walmart.

was in rough financial shape as the 2012 holiday season drew near.

She’d been out of work for a year, ever since quitting her longtime clerical job at the county public health department in Charlotte, North Carolina.

“He wasn’t like the little boys I was used to dealing with—he was the opposite of that, so sincere, so caring,” Elrod says.

“It wasn’t always about him, it was about me, about everyday stuff in my life.” Within weeks of their initial Facebook encounter, Elrod was telling Mc Gregor her most intimate secrets; he, in turn, was emailing her lists with titles like “100 Things We’ll Do Together Before We Die.” By the end of April 2011—only a month into their romance—they were discussing marriage.

Sometimes, if her phone bill was due or her refrigerator was barren, she kept a few dollars for herself.Elrod’s love affair began with the sort of dodgy Facebook message that most people delete on sight.She discovered that message in March 2011, 20 months before opening her First Community account, while cleaning out her junk-strewn “Other” mailbox during a respite at a Charlotte mall.She scraped together just enough to rent a 676-square-foot garage apartment that she shared with a roommate, a gangly buffet cook a dozen years her junior.On the Tuesday after Thanksgiving, Elrod opened a checking account at a First Community Bank branch located just across the state line in the twin town of Bluefield, Virginia.

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