I bought my first property in 2000, when I was in my very early 20s, and definitely wasn't wealthy. I bought a house in Ann Arbor in 2004, when I had no savings and was living on an ordinary developers salary; another in Chicago in 2005 (don't do what I did) when were starting Matasano. We sold Matasano in 2012 and my credit score was bad enough then that I was still required to get a secured card despite a relatively enormous sum of money parked in my account.

I think EFTA covers the mechanism of how debit cards work, not the institutions that issue them, but I'm not an expert. I would lean towards keeping an account for the card I use in normal transactions at one of the Big Four banks.

> another in Chicago in 2005 (don't do what I did) when were starting Matasano

Uff. I perhaps can imagine what you were going through the next 10 years.

PS: I actually would like to hear your thoughts on where cybersec is headed in the age of LLMs (Mythos or not), would it be OK for me to reach out about it (unless you've written about it already)?