Money, which was once the symbol of a privileged elite, is in the process of becoming the symbol of the inherent value of every human being. The recent proliferation of credit cards among large sections of the population in developing countries such as China and India is just one expression of this change.
Some B type blood have allergic reactions to soy and bloat. I am one of them. Not all soy products are pure and may contain other products within them that your body may react to. Have a food allergy test done (a good one). Wheat flavoring products though natural have allergic reactions such as bloating (inflammation). There are many who are just allergic to soy and bloating is one of the symptoms. Stop it for a while (at least 3 months) and see how you feel.
1 Doing so will make it even less likely that the coffee will curdle the milk.  Note that, while coffee is acidic, it is less acidic than vinegar or lemon juice. As a result, cool to lukewarm coffee is not likely to cause dairy milk or soy milk to curdle.