Everyone loses in this case. The card is supposed to facilitate a transaction and it failed to do so; the shop went without their money, the family went without

Everyone loses in this case. The card is supposed to facilitate a transaction and it failed to do so; the shop went without their money, the family went without their bikes, and all of the various financial institutions went without their cut. Which is why the poster above is warning about this; if there will be merchants out there who won't accept it, it's pretty much DOA as you can't replace all the cards in your wallet with it.