Debit cards in the U.S. are usually only limited by the amount of cash in your checking account (sometimes not even then, US banks are big on “overdraft protect

Debit cards in the U.S. are usually only limited by the amount of cash in your checking account (sometimes not even then, US banks are big on “overdraft protection”). If it’s the day after payday and you have $1200 in your account, and someone steals your debit card, you can very easily be drained to near zero. The only saving grace would be if the banks fraud detection kicked in due to unusual purchase patterns. I’d still rather the thief steal the banks money, not mine.