I'd recommend the 3DS (XL if you're inclined towards a much bigger screen, 90%). It's portable. It's got a great selection of games. The console and games are cheaper. You can connect with friends for multiplayer. Last I checked, it is the best selling console on the market?

It just seems to me, handhelds are the future of consoles anyway.

You could start using one-time use, or temporary debit cards. They aren't linked to your bank account, and you'd be able to set an amount you'd like to use for the week or whatever time period. This has the added benefit that if it were stolen, they wouldn't be able to take all of your money.

I believe there are various companies, including some banks, that will generate them for you.