All that and #4: Consumer Protection. A few years back, I had plane international tickets booked on Zoom. They went out of business between the buying and the

All that and #4: Consumer Protection. A few years back, I had plane international tickets booked on Zoom. They went out of business between the buying and the flying. With a credit card, that was Visa's problem. If it had been a debit card, it would have been my $3000 problem, as customers were unsecured creditors.