[run4yourlives2]

I'm Canadian, so not only can I buy Cuban cigars, I can buy them in a store down the street with my debit card. (A real debit card that connects directly to my account, not just a prepaid credit card.) Regardless though, making an illegal purchase isn't a very good reason to argue for cash; in fact you may have more luck changing the dumb laws if people are truly hurt by them.

The US definition of a "debit card" is massively different than the Canadian one. For us, our bank card is the debit card. The same one I use to take money out of my account at an ATM is the same one I can use to buy a $1 coffee.

Why some banks do charge outrageous fees, thanks to the free market there is a healthy market and many banks in Canada are now fully virtual or offer next to no fees.

Just because a system is poorly designed in one locale does not mean the idea itself is flawed, just that it should be implemented in an improved way.

[jdminhbg]

> The US definition of a "debit card" is massively different than the Canadian one. For us, our bank card is the debit card. The same one I use to take money out of my account at an ATM is the same one I can use to buy a $1 coffee.

I keep seeing this pop up, but it's a misconception; we have these in the US too. I have one, although I don't use it for purchases (I use a rewards credit card that gets paid off monthly instead). Here's an example (hopefully Wells Fargo doesn't redirect you because you're in Canada): https://welcome.wf.com/checking/?gclid=CIzL2ong1NMCFVBtfgodb...

[run4yourlives2]

It's not that they don't exist, it's that you don't have the POS being widespread enough to support it in a common way.

The Interac system in Canada is pretty much a given for any vendor that has a cash register. That automatically makes every single bank card into a direct debit card. You can choose to use it if you want of course, but it's default for all bank accounts, really.

[kuschku]

> in fact you may have more luck changing the dumb laws if people are truly hurt by them.

But that’s the point.

Cuban Cigars are legal in Germany.

You can legally buy them.

But every payment processor that’s located in the US can not process such a transaction.

Relying on foreign companies for most basic needs means you lose a lot of sovereignty.

[run4yourlives2]

Given that I've personally bought Cuban cigars with my Amex card last Christmas as gifts, I'm pretty sure your assertion is false.

It's more likely the case that an American credit card holder cannot buy them, even when he is in Germany, because he's subject to American laws, as I would be if I took a box into the US and started selling them.

[adrr]

Processors don't send l3 data for normal consumer based transactions. How would they know you were buying cuban cigars?

[DKnoll]

> many banks in Canada are now fully virtual or offer next to no fees.

Uhh, which ones? Free chequing accounts have transaction fees for Interac, and with unlimited Interac accounts you pay monthly or must keep a minimum balance. I'm sure there are a couple exceptions, but certainly not with TD, CIBC, NBC, etc.

[run4yourlives2]

Check out credit unions. I'm with Coast Capital and pay zero for fees at regular bank machines. "Private" atm fees do cost, yes. Tangerine and PC financial also offer no fee options too, but I'm not sure to what extent.