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What do I care if they skim my credit card? It’s not my money until I pay my bank. I can report a fraudulent transaction and request a new card right from my bank’s app.

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..and then be forced add the new card to every service you have set to auto-pay like Amazon, Steam, Audible, Verizon, etc.

One solution is to have one card for autopay services and one for restaurants.

Another solution is for the merchant to bring the card reader to you.

And therein lies the disjoint between a credit based culture and debit based.

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