"Wallet" is already such a great term for it. Much like a real wallet, just put an amount into it that you are willing to lose. Credit card chargebacks can be

"Wallet" is already such a great term for it. Much like a real wallet, just put an amount into it that you are willing to lose. Credit card chargebacks can be a feature and they can be a nightmare + all CC interactions definitely come at a 2%-3% cost to the merchant. Just providing the consumer perspective doesn't help the discussion at all.