At the bank I was at we had instant issue ATM cards. It gave the account owner instant access to his money. We would then order the debit card for the account if the customer was established with us or wait 30 days if they were brand-new. The customer never felt that they were being denied access, we incurred less risk, and never had to deal with the hassel of storing or producing debit cards. An ATM plastic is usually cheaper than than anything with a VISA or MC logo.
Morality is of the highest importance-but for us, not for god.~Einstein