See my edit about hw tokens. To me hw tokens are bad, not only because of the UI/UX disaster explained in the link above, but because I have to have the damn thing with me. Also, batteries ran out while I was in the US for 4 months, and the bank would not send me a new one, I'd have to come get it in person. Thanks bank!

And chargeback was always impossible in my case. In the US I click a button in the webui, or call a phone number. In the EU, I had to come in person to the bank three times, and fill all kinds of forms, and in the end, I still didn't get my money back.

Seems you had bad luck but to me that still doesn't warrant free 'screw all merchants' card.