Lets be honest here. These prepaid companies don't care if you pay your mortgage, HOA, utilities, student loans, credit cards, auto loans. They make money when you swipe. Your not going to avoid a shutdown if BB drops the hammer. People have been doing this for over a year with no shutdowns. The problem is when you try to pay people that aren't in their system. Sure they might reimburse you for the fees and what not but what a headache. Your crazy if you think you are staying under the radar because your paying other bills besides credit cards. They clearly don't care at this point and must be making money.