Originally Posted by
MVF Trekker
Nevertheless, I don't know why people keep worrying about it specially since you're never responsible for any unauthorized charges.
You're not responsible, but there's a big difference between unauthorized debit-card charges and unauthorized CC charges. With the latter, worst case is having part of one's credit limit tied up for months; with the former, one could have actual cash tied up for months, while the dispute is being resolved.