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I wouldn't mind using my debit card more often if it had the same type of insurance against fraud as my credit cards.

I don't really care about cash back and I know that retailers pay high fees, but I don't get any kind of cash discount with debit other than gas and I don't want to risk having my check account cleaned out.

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If you put everything on a good cash-back card, and you pay off your balance every month, it can really add up. Let's say you run $30k a year through your card and have something like the 2% cash back Citi DoubleCash Mastercard. That's $600 a year you're foregoing by not caring about cash back. Just a thought.

It's not that I don't care about cash back, but I would simply prefer prices in general be 2% cheaper rather than having to claim them via a cash back card.

This type of thing warps price perception and just passes the costs back onto consumers in other ways.

It probably passes the costs back onto poor consumers (or the ones that can't get credit cards).

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