[LinuxBender]

Phones have displaced paper money and credit cards as the preferred way to pay for a bill at the end of a meal.

In Europe maybe? I've never seen anyone pay with their phone. Not in big cities and not in rural areas in the US. I will never do financial transactions with my government spy device. To each their own obviously.

As for when I am ready to pay, I go to the counter and give them cash or I might use a debit card if I am picking up everyone's tab. If they give me grief then I simply do not return to that establishment and they will get negative reviews.

[a3w]

"Europe", well, I have news for you: Germany is stuck in early 90s of digitalization (where we print out mails since we always did it on paper), with some PoS infrastructure sprinkled on top.

[jncfhnb]

A debit card is ripe for fraud risk

[LinuxBender]

I've only had one incident of someone trying to defraud me using my card in the last few decades and the card vendor instantly blocked it and texted me. I am obviously only one person but I have been careful where I use that card. If I suspect anything I just report it stolen and get another one. That only takes a few minutes at the bank. With exception to Amazon I only use it in places that everyone knows me and I know everyone. Most of the time I use cash, especially if buying anything the government may wish to track. I will never tie my fondle-slab to a financial institution. To many entities have access to it.

[ty6853]

The counterpoint is this happened to me once. When I reported the fraud, the bank accused my wife of being unfaithful to me in another state and accused me of bank fraud for reporting the fraud, then they closed my checking account and denied the claim.

I probably could have taken them to small claims court but I ended up paying the amount as I was moving cross country to a different court jurisdiction so I wouldn't have defaulted in a suite and I didn't want to be blacklisted from banking.

[jncfhnb]

And you’re still using debit cards?

[ty6853]

Yes now I just put so small amount in my debit checking that I can afford to eat the loss.

[ty6853]

Which is why I keep a burner bank account for debit transactions, have fun racking up felonies for a couple hundred bucks.

[jncfhnb]

If that system works for you, great.

I don’t think I want a burner bank account lol.