Is this a very high risky limit in case the debit card is stolen or lost? I am thinking of cutting it down. We do most of our purchases on two credit cards (AMEX cashback and CHase PerfectCard) except when we go on vacation, like DisneyWorld in Orlando. Then we put money in our checking account and use the debit card to avoid large credit card bills. What is a safer, more reasonable daily limit, if $3,000 is too high?