> You seem to be saying that being the victim of fraud is OK as long as it's not my fault. I'd rather not be the victim of fraud at all. Do you see how that wor

> You seem to be saying that being the victim of fraud is OK as long as it's not my fault. I'd rather not be the victim of fraud at all. Do you see how that works? I said nothing of the sort credit card companies want you to use your card without you having a first thought (let alone a second one) this is one of the main selling points of their product they don't want you to have to wrap their product in another company's product to make it usable > If I were mugged and beat up on the street, but I got all my cash and ID back and a new replacement phone, would you say that was as good as avoiding the mugging entirely? a credit card has strong legal force behind it (because it's not your money) debit card+paypal has significantly weaker legal protection, at least in the UK (where paypal aren't even a bank) in case of a dispute I'd rather have the backing of the law rather than being at the mercy of paypal's customer service department