If you are upset with how ATM cards/debit cards are working now, just wait until we go to a digital (cashless) money system (it has already being proposed). Like most of you that own a house, the lender lets you live there as long as you follow their rules. Once the digital currency becomes the law of the land, your cash will be worthless and what money you have will be yours (and easier to take if they hack), as long as the government feels you are following their rules.