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It sounds counterintuitive but the real solution is to just never use a debit card. Have a separate ATM card and credit card.
When you're using a credit card, you're protected automatically when things like this happen. If you claim that a charge is fraud, it is up to the merchant to actually prove that it is a legit charge. This means that your credit card company will remove the money from the merchants account immediately. If they fail to prove (usually by signature or some other means) that you made the charge, they take the hit.
The other thing that sucks about using a debit card is that they do absolutely nothing to help you build your credit. If you're looking to get lower APRs one of the best ways to do that is to use an actual credit card to buy things and then pay off most of the balance every month. When you use a debit card it doesn't register as a balance. If you bought tens of thousands of dollars on a credit card it could do wonders for your score if you pay it off and keep the balance low. Doing that same thing on a debit card does absolutely nothing.
Debit cards also suck because if you use them for things like Hotel Reservations, the Hotel will actually put an AUTH on your card for more than the price of your room. As long as that AUTH is there you don't have any access to those funds in your checking account. Hotels, etc will routinely AUTH you for more than the price of a room, in some cases 1/3-1/2 as much.
There's an even bigger problem w/the Android Marketplace when accessed from your phone. It's possible for developers to write applications that wont work on your particular phone model. With only a few Android models now that's not that big of an issue, but what happens when that Skyrockets to 50 devices in another year or so?
I have a Nexus One and while I love it I routinely download applications that don't work on my phone. They'll either frequently crash, or wont fully startup, or just hang when run. Now I refuse to download any app that doesn't have at least 100 comments and I scan the comments for people reporting that it doesn't work on my model of phone.
This is a terrible user experience. I'm probably not the typical Android user and can figure out why an application isn't working but your average user can't. They're just going to bitch and complain that apps they're downloading don't work and that the phone "sucks."
Google has got to fix this. What's the point of having a centralized marketplace if you're not going to even verify compatibility? I was able to download a "Droid" Flashlight app that doesn't work on my Nexus - how ridiculous is that?
In the same way that Walmart comes into a town and destroys local businesses, Google can enter into an industry/sector and destroy most of the competition overnight by giving an application away for free. Who is going to pay $100 for a Maps Application now (or more for a hardware device) when they can just download one for free.
Isn't this the same type of stuff we accused Microsoft of doing years ago? Yup, Walmart, I mean Google strikes again. Pray whatever industry you're in Google doesn't decide to suddenly release a free product.