I wouldn’t recommend keeping credit card limits low to only mitigate fraud risk - credit card companies generally will take the hit for unauthorized use, aka stolen information, and send you a new card. So keeping the limit low in an effort to make sure that if your info is stolen they’ll only be able to steal $1000 or $2000 isn’t really necessary, and only affects your ability to use credit and have a better credit score (because your % of utilization of your overall credit limit goes into your FICO).

Instead, review your purchases monthly and inform the card company of charges you didn’t make as soon as you see them.

DEBIT cards are a different story. They’re a direct link to your bank account funds and there’s no intermediary that is willing to take a hit, it’s your bank vs you, so if your debit card info (and pin) are exposed you’re much more vulnerable. So I wouldn’t recommend EVER using debit these days, there’s zero reason to, but if you have to then your advice in your OP is more appropriate.

I can’t speak for others, but when I joined I was definitely confused by instances, federated internet, moderation variances, and how to operate the various ~ 4 beta apps I downloaded at the same time.

I’m definitely not a tech normie, but it was still unfamiliar and I would never have migrated if I hadn’t been fed up with Reddit.

Most people don’t want to have to look up guides to figure out how a system works, they just want to download an app that their friends all use and move on with their day. Blocking instances you don’t like? Doing research to find a “home” instance? Ain’t nobody got time for that.