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Underneath that hat are two bars of gold, but under those there are some spikes. This is some kind of trap for people who try to take your gold. And why else would you make a trap? Everyone wants to protect their gold.
An update is needed before you can continue but you have more than one WaniKani tab open.
Finish up whatever you are doing on the other tab(s), then close them to continue.
The update will complete automatically once the other tab(s) are closed.