Yes, all this is also my perspective as a USA citizen. At the very least, I'd recommend that you have a separate debit card account that is used for store purc

Yes, all this is also my perspective as a USA citizen. At the very least, I'd recommend that you have a separate debit card account that is used for store purchases and such. This gets filled (manually!) from another account which you also use only for really important stuff like utility payments, housing, car payments, etc.