[oldbookguy]

[ QUOTE ]
I share a visa debit card with someone in my household, and this card is linked to our checking account.

[/ QUOTE ]

OK, so, this is a joint account and belongs to both of you, so stated in your OP.

Since this is a shared, joint account, once deposited funds are there, they are, or are in my household, jointly owned funds.

So, perhaps you should have your OWN account if you do not wish to co-own the funds.

Just a thought.....

BTW, in Matercard v a group of gamblers a few years ago, 2 Federal Courts ruled only Sports Betting was illegal, if your 'Friend' was playing poker, no federal law was broken unless there is a state law saying so first.....

MasterCard won and collected the debt from the bettors.

obg