Eh when you deposit money with a teller, it gets added to your account, which is in physical terms probably just a big storage and a database who has how much.
But in the case of debit card, the card ties the money to your account. It is actually that.
It's as if someone would steal from a personal safe at the bank.
Except that you have strong statutory rights and commercial agreements between your bank and the card networks making it very likely that you’ll be made whole.
Eventually you'll probably be made whole (unless the bank isn't one of the ones that waives your $50/$500 liability). But usually they won't return your money until after they resolve the dispute so your account is still missing the disputed money which could make you bounce checks or be unable to use your debit card until the dispute is resolved.
Which is why the credit card is still the better option. Especially given that the max liability on a credit card is always $50 if caught within the first 60 days, while the max liability on a debit card is $50 only if caught within the first two days, then up to $500 if reported after up to 60 days.
They may post a provisional credit when I report the fraud on the debit card or they can wait up to 10 days to do so. With a credit card, no money has left my account and I get the final say on whether I want to part ways with my real money. If the bank really wants to fuck me over by saying it's not fraud, I get to make it as unprofitable as possible for them, which includes forcing them to sue me if they really want the money.
I will take the ding to my credit report and a lawsuit over actual money taken directly out of my account any day.
> while the max liability on a debit card is $50 only if caught within the first two days
Within two days of learning of the fraudulent use or the loss of an "access device" (i.e. a card). Otherwise you have 60 days from the statement date as well.
> I will take the ding to my credit report and a lawsuit over actual money taken directly out of my account any day.
That's definitely true for many people, but probably not for many others, e.g. anyone wanting to buy a house or even rent an apartment.
If the money is taken out of your checking account and you can't pay a bill or rent, you are in the same exact situation of having your credit/rental history ruined. The time horizon for that happening is just sooner. The credit card still wins.
Native American is not an ethnicity. The tribes that occupied North America prior to the Europeans are notable for their very high cultural and linguistic diversity. Many of the pre-European languages are unrelated to each other.
It’s amusing that the word German is an Anglicisation of a Roman word for a variety of tribes that the Roman Empire couldn’t be bothered to distinguish between.
A country is not tied to ethnicity but this thread is about how German is an ethnicity.
I’ve heard plenty of arguments about the German Volk as a distinct entity.
The argument was pretty decisively lost according to my grandfather.
Tell me, where does my Jewish German heritage fit in to Germany as an ethnicity? For some reason they didn’t feel very German when they left despite meeting all the qualifications…
> Tell me, where does my Jewish German heritage fit in to Germany as an ethnicity? For some reason they didn’t feel very German when they left despite meeting all the qualifications…
That's a good point, and personally one of the reasons I disagree with the ethnic definition of "nation".
The other reason are of course the frisian, danish, sorbian, etc and many other similar minorities that have historically lived in the region of modern Germany.
I think the french definition (which defines the nation almost entirely around the language, not ethnicity or origin) is a much more interesting and useful one. Language determines who you can talk to, and what media you can read or watch.
The United States is a distinct legal entity, not a label for an area of land. Native Americans have never been the dominant ethnicity of the United States.
Red Wings apparently have some Munson lasts, mentioned when I was investigating the topic earlier, though I don't know for which models or if they match what you're looking for.
They have an excellent quality reputation, though new boots are spendy. Used show up occasionally.
Brands such as Rolling Dub Trio and John Lofgren use Munson lasts that closely resemble the original shape; other makers, such as Nicks Boots, Viberg, and Iron Boots have lasts that draw direct inspiration from that shape.
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