[TheNightFly]

No that's not correct. Man, I thought I had explained it clearly. You would always know how much credit you can extend before you ever go to McDonald's. From their the process would be identical to using a credit card only it's from the bank you own, not the one you owe. Since you would have a lending limit (as all banks do), what you credit to McDonald's would be subtracted from you lending limit so, no you wouldn't have unlimited lending.

If you wanted cash, you could simply extend credit to yourself- as I stated before.

[TheOtherOne]

Since you would have a lending limit (as all banks do), what you credit to McDonald's would be subtracted from you lending limit so, no you wouldn't have unlimited lending.

If you wanted cash, you could simply extend credit to yourself- as I stated before.

How is this different that my debit card now?