No, you're not crazy, "an ox", "a fox", "an apple", "an physical debit card". All but the latter roll off the tongue. Must be the same in French with the liais

No, you're not crazy, "an ox", "a fox", "an apple", "an physical debit card". All but the latter roll off the tongue. Must be the same in French with the liaison -- wonder what the equivalent butcherings are ;-)