Don't know that I agree on the accountability part of a debit card. I can see every credit card charge now - I know where she spends. For example, I know she isn't paying for her secret phone with a credit card. Don't know how she pays for it.
And credit cards don't have cashback feature.
If she has a debit card, she'll go all cash and I'll see nothing but ATM, or she'll use cashback which will be invisible.
