For sure. That's decent punishment, who knows what kind of fallout happened in his life after that. Shunned by family? Lost apartment? Repod car? Its crazy how those sort of things domino effect a life.
I don't think these happen with debit in the US, but if something happens and your card gets stolen your screwed out of that money with debit usually, so we always use credit.
Well, uh, as long as you're happy haha.