I seriously am annoyed by the ~$6 my bank eats from my account every month to have the account in the first place and to get a VISA Debit card sent home every four years.
I've read so many times here and elsewhere about how you are expected to "bring at least two different pay cards from two different banks" when traveling to a different country. To me, this sounds like insanity.
It would cost a fortune for me to have another pay card, be it debit or credit. They (my current bank) charge through the nose, and the idea of opening a completely different bank account with some other bank, keep paying them as well each month, and to put a bunch of money in there to be able to use it, seems like an entirely foreign concept to me.
Am I uniquely poor? Am I doomed to never leave this local area because I can't afford to pay tons of money for this safety measure? This freaks and stresses me out. Do banks really cut you off when trying to use your card elsewhere? Even if I send them a message before I fly off, telling them that I will be in country X for Y amount of time and they should not block any transactions unless I actively let them know?
People who give advice here and elsewhere seem to have unlimited money to throw around.