One of the challenges of not having debit cards is you can't get cash "for free" with a credit card, basically if they don't charge a cash advance fee, they do charge finance charges from the moment of the advance to the payment landing.
One strategy might be to use a 'pay as you go' debit card where you can put money on it using a banking service, but leave it normally with less than a $20 balance. Then using your smart device you add cash and then get it, in the event you need cash, but if the card is compromised you don't put any additional cash at risk.
It is pretty broken. I'm really surprised the banks are willingly eating those losses.
By finance charges, he means interest, not a fee. In the US, cash advances on a credit card typically incur interest immediately rather than after the billing cycle ends (barring some sort of promo).
One strategy might be to use a 'pay as you go' debit card where you can put money on it using a banking service, but leave it normally with less than a $20 balance. Then using your smart device you add cash and then get it, in the event you need cash, but if the card is compromised you don't put any additional cash at risk.
It is pretty broken. I'm really surprised the banks are willingly eating those losses.