>so the protection policy could be interpreted to be utterly meaningless and it will be up to an arbitrator what "or ... someone else" means if you have a disag

>so the protection policy could be interpreted to be utterly meaningless and it will be up to an arbitrator what "or ... someone else" means if you have a disagreement about this with your bank. What? I have contested charges on a debit card before. You don't go anywhere near having an arbitrator. You call them and explain the situation, they mail you an affidavit, you mail it back, money reappears. These aren't theoretical/untested waters. People file chargebacks on debit cards all the time. The only downside (compared to credit cards) is that the money has left your possession until the bank puts it back (rather than you refusing to pay the charge until it goes away).