US Postal Service tests paycheck cashing; could change how millions access money

It's lower than the interest most people pay on their cards. And if the card gets compromised, you lose a whole lot less. (Everyone anecdotally tells me they have a 0 balance every month. I said "most" people. These cards wouldn't even exist if nobody paid interest on their regular credit billing cycles.)

Its value really depends on the person's needs. Someone who never wants their real card that impacts their real credit rating on the Internet would happily use a Visa or Mastercard gift card.