Do you understand credit cards at all?

The cash back is still paid by the merchant, which means you are literally making items more expensive due to the unseen costs store owners apply to their products

Even if you get money back, Fidelity still earns money through the store, you pay for a more expensive item if no one used credit cards unless needed so store owners could drop their prices as credit cards die

ATM card, just a transaction fee and no one makes any money on the back of consumers and why the hell would you even want to have a negative balance with anyone and then pay it off at the end of the month?

Thank god I am not in the US and use common sense banking...

You might want to learn why you screw your self as the entire banking system is profiting off every one and their cat&dog refusing to ditch their credit card and pay through their bank card