Now, that's pretty much the reason my family doesn't own a single credit card (we're probably pretty old-fashioned that way) - because it's so easy to spend money you don't even have. My mother has always been warning me about it since she thinks it's unnecessary anyways.
Well, she was right until now; DW payment is really the only barrier I've discovered so far concerning my cash card abilities.

But since my boyfriend is a banker, I think I'll let him do all the explaining to me eventually - at least I can count on him not to get me into trouble for money's sake. ;)