I think you're replying to the wrong person here. I absolutely agree with you on this point, and at any rate wasn't at all talking about personal liability when using a debit/bank card vs. a credit card. I was in fact replying to a poster who doesn't use credit cards because they don't like how the CC system is run, which I thought was odd, since the banking system overall is rife with sketchy practices. In other words, if they don't like CCs, then they shouldn't like debit/bank cards either.