I agree wholeheartedly with this, and make specific instructions when opening a bank account that I do not want a debit card attached to the account. The bank sends along a good old-fashioned ATM card (no VISA logo), and I do not carry the risk of "we take the money first and you prove us wrong to get it back".

Doesn't Herman Miller already offer a product that does something similar? http://www.bfionline.com/babble/