After reading all this, I will stick to the same forever for the rest of my life...no debit card. I actually don't feel comfortable punching in password, etc. with people standing around me...

And will continue to discipline myself financially..yea sure I never had have the debit card convenience but I shouldn't make spending money so convenient for myself anyway.. If my parents raise 6 children on a cook's salary (my mother was a housewife) and they never used debit card, rarely used credit card...then I can discipline just for myself and organize methods of payment in advance.

One of the Canadian banks is actually experimenting with debit cards/activation via a keyring fob... can you imagine??? That's too convenient..