Phone activated functions on an RV???

So let me tell you about a friend who had a Visa debit card. He had the number stolen in the Target breach. Some criminal bought three bigscreen TVs and wiped out his balance. The bank did their usual thing and lined up the biggest purchases first and then everything else. He gets hit with overdraft charges for everything he bought over two days to the tune of $25 a piece. He disputes the fraudulent charges and after about 3 weeks the money gets restored, but the bank insists that he still owes the overdraft fees. He's out several hundred dollars, I tell him to take them to small claims court but since he works as an independent contractor he'd be out as much in lost earnings as he would get from the bank even if he won. So it's not simple paranoia, it's learning from other peoples misery and knowing that a bank will do everything it can legally do to separate you from your money (federal law limits your liability in credit card cases to $50, $0 if you report your card stolen in 48 hours and $0 if it's just the number that was stolen).