[401k](http://genxfinance.com/2008/01/16/the-401k-debit-card-probably-one-of-the-worst-ideas-ever/) [debit](http://thefinancialengineer.blogspot.com/2008/01/hurry-get-your-401k-debit-card.html) [cards](http://myinvestingblog.com/2008/01/21/the-401k-debit-card-youve-got-to-be-kidding-right-nope/). Because the average American consumer has already shown such great self-control in matters of personal finance that we need to give them fresh rope.