what are the advantages and disadvantages of a debit card?
['They Prevent Debt, but Funds Run Out.', 'They Have no Annual Fees but Incur Other Fees.', "They're Good for Small Purchases but Complicate Big Ones.", "They're Easy to Get but Require a PIN.", 'They Are Less Risky, but Losses Occur.', 'They Can Build Credit or Hurt It.', 'They Offer Rewards, but Debit Has Its Perks.']