Don't get me wrong; I love the convenience of my debit card. But I also carry cash with me so I don't nickel-and-dime my bank account out of existence.

In a society that thrives on instant gratification, I think having access to one's entire savings all at once can be dangerous when it's nothing more than a swipe of a card and numbers on a page. And that goes doubly for overextended credit.

It sounds like the way you use your card works for you, though. :-)