No need to condescend-- the gap isn't that I didn't read what you wrote, or even that I disagree. Your point is just unrelated to the situation we're talking ab

No need to condescend-- the gap isn't that I didn't read what you wrote, or even that I disagree. Your point is just unrelated to the situation we're talking about. A wallet is not like a bank. It's like.. well, a wallet. If you hand a wallet full of cash to a thief, no banking regulation will protect you. The tradition digital equivalent is a Visa gift card or Western Union.