Re: "Sounds like a lawsuit"
"You do not use a debit card to pay unless it is a place you really trust.
Words to live by.
And most certainly not at a hotel, where the staff know you're only there for a short time, and the odds of at least one of them being paid to swipe credit card details is fairly high. As are the odds of their payment system being compromised by a card number grabbing trojan, if recent news reports are correct.
I see the interest on a credit card as payment for insulating me from this sort of thing."
Well, there is an American financial advice guru named Dave Ramsey whose advice includes NEVER getting a credit card, and cancelling all the ones you might have. Many people who have gotten into financial trouble use his Financial Peace system to great advantage, and become debt free. For some otherwise reasonable people, having a credit card is like having a bottle of booze for an alcoholic. Not a great idea.
And, if you do have a credit card and pay interest instead of paying it off every month, well, that is just foolish. Ditto being charged an annual fee for having a credit card.
BTW, our family followed his advice. We are entirely free and clear, no mortgage, nothing. We went from "were did it go?" to "we have more than we ever believed". And, our bank has been very good at informing us when some hinky debit card payments tried to go through, reissuing us cards after the Target Store debacle.