I don't think you're missing much. You can also check out the recent FDIC consumer news publication. It had a section on debit cards, and these types as well. They can be recommended to customers traveling, as an example, who then don't risk taking their account debit card and risking all they have (or transferring the risk to you). Think of them as a quasi travelers check in some instances.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell