"Swingman" wrote:

From my POV, all your arguments with regard to debit cards are basically
nullified by those minimally intelligent/savvy enough to maintain only a
balance they are comfortable risking in an account tied to a debit/check
card.

The only amount I'm willing to risk is zilch, thus no debit cards for me.

When a commercial business, especially a bank, wants to give me something, I
get very uneasy.

The banks are promoting debit cards for reasons that are in their best
interests, not mine.

Lew