Quote Originally Posted by Alkalinehoe View Post
They already do this, it's called a Debit Card.
This.

My Visa card is not a credit card, it's directly linked to my checking account and no charges will go through unless I actually have sufficient funds on my account. I.e. Debit Card. I've been using this since I started playing. Granted I'm not in the UK but I sincerely doubt things are different there.