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Why I regularly buy Visa / MC gift cards: online transactions. Once a payment processor demonstrates their ability to reach into your wallet and take money from you, you start to avoid situations where that can be repeated.
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@lnxw48a1 I have specifically resisted linking paypal to my bank account for this reason. In the past, when I had my personal paypal linked to my account not only would I be on the hook often for transactions I didn't authorise (often because unscrupulous online merchants like to set the transations as reoccuring), I'd also be on the hook for NSF fees from my bank. Thankfully, my bank would forgive the charges when I would claim them as unauthorised, but paypal eventually froze the personal account. I actually have the HLA account in a business name with someone else who deals with that BS for me so I don't have to, at this point. I would not use paypal if there was an alternative in Canada.