I'm sure the maths work out at an individual level, but have you considered the effect on pricing being a debit-first society would have? Most merchants/paymen

I'm sure the maths work out at an individual level, but have you considered the effect on pricing being a debit-first society would have? Most merchants/payment processors include a premium for handling the edge cases that arise from credit-linked misbehaviour. In the same way you sometimes get a cash discount, removing the merchant/provider protections should show up in your wallet as a good (and surprisingly high) surprise. As I understand it (please correct me), the party who gains for the furtherance of this agenda is the financial service sector who has another opportunity to insert marginal fees and more importantly, a direct access to your transactions without necessarily having the same fiduciary duty or alignement of goals than a bank teller/account manager would have.