Old Kinderhook, first of all, it's called a debit card. Maybe you would also have the ability to use one if you had any money in your checking account. See? I can make wild and baseless accusations too....of course at the risk of appearing to be a moron, but hey, sometimes you have to lower yourself to level of your audience.
Nice terrible analogy there as well. Think a little harder next time before you try something as complex as that.