God is dead
Correct. Sorry for the lack of explanation. I've had my card stolen too many times to trust utilizing my debit card. THX Taxi Cabs in Vegas...I think his point was more along the lines of, why aren't you using an actualcreditcard instead of the debit card? Now, I use my debit card too because I currently don't have a good rewards card, and it helps me budget better knowing it is coming directly out of my account, but if it is stolen (physically or otherwise) or mis-charged or even just used for something you end up returning, you're dealing with actual cash out of your account, not "imaginary" money so to speak. If a debit card gets stolen your bank account can often get seriously fucked up, making it difficult to pay bills while things are frozen and sorted out, so *most* people recommend not using a debitcreditcard if at all possible.
Again, that's not what I do, but I hope to change that soon, and having read this board long enough, I'm fairly certain that is the overwhelming viewpoint of the "smart spenders" here.