You are the one who said you’d had $800 taken from your account—not I.
I said to each his own.
And yes, I think it is borderline irresponsible of you to be advocating that people here use their debit cards online.
Irresponsible how?! My card number was stolen by a teenager (the actual SERVER) using a skimmer AT A RESTAURANT! I’ve NEVER had my information stolen from an online transaction.
If you don’t understand how the technology works, then don’t pretend to understand how your personal information is secured. Online transactions are 100% safe. The caveat here is that the TRANSACTION is safe, meaning the back-and-forth of the data is secure. If you do business with a shady merchant or someone running a server in their basement, that’s on you.
I have 10 years in IT security, and I can tell you that a majority of the fraudulent card purchases that pass through our CUSO are due to physical access to the card in question. Data analytics prove that less than 10% of fraudulent activity on a card is due to online transactions with secure merchants (i.e. Amazon).