This "one crazy trick" does nothing to limit your true liability. If you go to a restaurant someone at your table orders 5,000 plates of mozzarella sticks, the

This "one crazy trick" does nothing to limit your true liability. If you go to a restaurant someone at your table orders 5,000 plates of mozzarella sticks, the fact that your credit card only covers $5 doesn't mean you are magically absolved from the rest of the bill. For $100k, a debt collection firm would be more than happy to get a judgement against you. Credit card or no.