I had a similar conversation with my credit card when I tried to cancel the payment protection insurance. OMGWTFetc, I would be liable for hideous amounts of everything. Like what ? Like, er, loads of shit, really bad, er, just stuff.
OK, I said, can you explain to me exactly what my liabilities would be without the insurance ?
Certainly, I'll put you through to the insurance department and they'll explain the benefits.
No, dammit, you won't, you're going to tell me exactly what my liabilities are.
It turns out that if I pre-load credit onto my card, and then lose the card, I lose that money. Any fraudulent use isn't my liability anyway. Bah.
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OK, I said, can you explain to me exactly what my liabilities would be without the insurance ?
Certainly, I'll put you through to the insurance department and they'll explain the benefits.
No, dammit, you won't, you're going to tell me exactly what my liabilities are.
It turns out that if I pre-load credit onto my card, and then lose the card, I lose that money. Any fraudulent use isn't my liability anyway. Bah.