These are perfectly valid risks, and I'm not sure why you're getting downvoted! Good considerations all around. I mitigate a large portion of this by having the

These are perfectly valid risks, and I'm not sure why you're getting downvoted! Good considerations all around. I mitigate a large portion of this by having the bulk of my funds in savings at any given time, more than enough to cover what would be in bills / spending in case of an emergency like this. I do not carry a card that can pull from savings with a card swipe, so a card thief would at the very least need to coerce the PIN out of me under duress, after which I would hopefully manage to contact my bank before they did too much damage. Of course, a better mitigation would probably be to set up two-factor on the card. Chip and PIN is supposed to protect against this, but in my experience so far, merchants that don't support it get away with a "credit" swipe and a signature, mitigating the security benefits of requiring the pin in debit mode. This is a good critique of the system I've set up, and I'll do some research and see if I can lock it down to deal with these risks properly.