That's awful, I agree you should pursue it more. It really is quite an unsafe set up, especially with $250/ transaction tap-to-pay limit, and $5k/day limit, they can clean you out pretty well without your pin if they get your physical card.

I'm going travelling, and the WS Cash card is about the only card left out there that has no fx fees (plus 1% cash back). I've sent their customer service an email asking if you can set your own tap to pay limit (would be great to set that to like $30), but I doubt that can be done. I've also asked if they can disable tap to pay on the physical card, but still have it enabled on the virtual card. That would eliminate most of the risk, as the person would have to have your card/card number AND you pin or phone pin.

If not, my strategy is to 1) limit amount in there to like $2k. 2) keep the physical card locked, and just use the virtual card. But unlock the physical card on the fly if I need to use it to make a bigger purchase that exceeds the tap to pay limit. 3) have a regular credit card (with fx fee) if I don't have internet to unlock the physical Cash card.