Who do you bank with? My bank provides instant rollbacks on unauthorized transactions on my debit card, just as the credit card companies. I get all the benefits, they take all the risk. And yes, I have had to test this. Some clown in Texas used my debit card to charge $400 in DSL fees. Called the bank and had the money back in my account in 15 minutes.
If you are using your mod points to mod people down, know this: there is a 95% chance I am going to meta-moderate you to hell. If you are modding as Troll, there is closer to 100% chance I will mod you as unfair. You are a fucking moron, and find something better to do with your points than to mod people down. There is no moderation setting for "Disagree". It's not about what you agree with, it's about the value of the post. And offtopic? Unless they are talking about goat sex on a post about Ad