The guy is nearly 60 years old and doesn’t understand how a checking account works. Sorry, but spend the money you have and don’t go to Starbucks if you don’t have cash.
Someone needs to tell this “career civil servant” that deficit spending only works in government, not in real life.
Having been a poor college student (in both senses) and being currently unemployed, I understand that there is only so much money to spend and when it’s gone, it’s gone.
Never saw the point of debit cards. If I pay off a credit card in full each month - online and well before the due date - then they can’t play all the date re-ordering games.
Debit card might be better for the merchant because there are slightly lower fees but it would make no difference on the consumer’s end. Also the stupid debit cards have things like $500/day limits, etc.