The original poster sent me a private message asking me to explain further ... I was purposely trying to be as nice as I could to the poster, and that was the best I could do ...

First, I think travelers checks are a waste of time in this day and age ... but hey, some people like the protection they offer despite their disadvantages (less flexibility, less widely accepted, and potentially additional fees, though you can sometimes get them without fees).

That being said, why would anyone have two types of travelrs checks type instruments, American Express Travelrs Cheques and Visa TravelMoney, in addition to credit cards? Why would someone with several credit cards bother with Visa TravelMoney which is just a prepaid Visa card?

Why would anyone even bother with Travelers Checks or Visa TravelMoney, when the primary selling point is security in case they are lost, if they're just going to cancel their vacation and not utilize that main selling point if and when they are actually lost?

The details in the story just don't make any sense for even an inexperienced traveler.