kdommeyer

Thanks for your reply.

1. I pay no fees on my credit card. My full balance is paid automatically and 1-5% is refunded (depending on where I spent the money). To put that in perspective, if I spend $50,000 I get back $500-2500, which is not an insignificant amount. You are absolutely correct that rewards are subsidized by merchant and banking fees. Please correct me if I'm wrong, but don't merchants have to pay fees when accepting Visa debit cards as well?

2. Cash-back rewards only make personal accounting more complicated if you calculate them on an ongoing basis and pay additional fees for the credit card. If you do neither of these you'll stay within your budget and be rewarded with a substantial bonus every month that you can then spend or invest.

With all that said, I agree that keeping it all in one place would be much easier and I would love to try Simple myself. I just can't imagine replacing my day-to-day purchases with a debit card, no matter how awesome the system that surrounds that card may be.

I'm surprised so many people are clamoring for this. While the system seems excellent overall, the lack of a rewards program on the card seems like a deal-breaker for day-to-day use. Why would I use this instead of a credit card that gives me 1-5% cash back?

Why did you list Ruby/RoR users as developers but list everyone else as programmers? I'm learning RoR so I'm curious if there's a specific reason for your wording.

If he said it "kills the battery" would you say that it trivializes actual, no-kidding murder? I doubt it.

Also, men can get raped too. I don't just mean women raping men; men rape men too. (Would a "Don't drop the soap" joke be too inappropriate here?) It could be argued that assuming only women can be raped is the misogynistic position.

Last, saying that we've got to cut this out "if we want a world with less rape in it" is, frankly, ridiculous. Nobody is going to read the "battery rape" comment and subsequently be more likely to rape someone.

That's barely a defense since it just links to dropbox.com, not to an invitation as he claims. It's clearly intended to deceive.