this post was submitted on 14 Sep 2023
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I've never been unable to make a payment using my credit card therefore your anecdote is invalid.
I think this situation is a lot less common than you think.
More to the point, use a debit card if that is your gripe. Then you can just deal with an empty account rather than a declined card.
Just like you've never had crypto stolen, I've never had a debit card stolen, so by our combined anecdotes both are equally secure.