[gst]

Same here. I don't care about the convenience, but mostly about the security benefits. In the past 4 years I had to get two credit cards and one debit card replaced after fraudulent charges / fraudulent ATM transactions. Yes - as a customer I'm not liable for those charges, but it's still annoying if it, e.g., takes a few weeks until your bank refunds you the hundreds of Dollars that someone withdrew from your checking account.