It may be worth the effort of focusing on ways to improve your mood by exercising and spending time with friends to get you to a better state. That will let you think more clearly, have more energy for side projects, and seek out new employment or go out on your own.
There's usually a lot more going on with our mood than we initially think.
Debit card numbers, designed to take money out of your account, are what fraudsters want and have compliance policies so strict even bank employees usually don't get access to the full string. Account details are less useful to fraudsters and generally printed all over communications from banks, including the checks and remittance advice handed to third parties.
So why would rational people prefer the latter, particularly if it involves paying a premium?
Is it another startup whose usefulness stems in a large part from the lack of ubiquitous free, same-day interbank payments between checking accounts in the US (unlike much of the rest of the developed world)?
> Is it another startup whose usefulness stems in a large part from the lack of ubiquitous free, same-day interbank payments between checking accounts in the US (unlike much of the rest of the developed world)?
Partly but not all.
... and thanks for the support!
The purpose of the regulations are to protect consumers for companies that are either malicious or incompetent.
The problem is that the licensing process is expensive, painful, and long. There should be better ways. Nonetheless, there's a reason why the exist.