Credit/Debit card etiquette

How hard is it to use a credit card? Why do so many people not know how to decide between debit and credit?

When you're checking out and the clerk at the register asks if you want "credit or debit," it shouldn't be too hard to decide on which. Really, people, there's only two choices in this instance. How can you not know? If it's debit, you might want to actually know what your pin number is. Looking around in confusion and asking the person behind you about your pin number is ridiculous. I'm not an identity thief, why would I know what your pin number is? There are times I wished I knew, so I could empty out their account. People guilty of stupidity in public deserve to lose money.

Standing in line gives you plenty of time to decide how your going to pay. "I'll use credit, no wait, debit, wait, will my bank fine me?" is a response that happens far too frequently. I wish I could fine you for not knowing how to use a card.

Some people need to just carry cash. But then again some people can't count.