I mainly use an Amex charge card that functions like this, don't spend money I don't have, and only don't use a debit card for things because our financial syst

I mainly use an Amex charge card that functions like this, don't spend money I don't have, and only don't use a debit card for things because our financial system is very insecure and don't want to give the number out because getting my money back is a lot harder than just calling Amex and reporting the fraud.