We are current going through Dave Ramsey’s Financial Peace University program. In one of the lessons, Dave says that you are just as protected with a debit card as you are with a credit card. I take issue with this for multiple reasons.

As part of our plan to get out of debt, my wife and I have stopped using credit cards. However, being a modern, internet-savvy consumer, most of my purchases are made online, and some of them are not from the safest sellers in the world. I have had four cases in my many years on [...]