I occasionally do a good deed. Last week the lady in front of me, with a little boy in the supermarket trolley, had her card rejected while trying to make a $315 weekly shopping purchase. I said I'd pay and she could pay me back some other time. She looked a bit surprised and I joked that she had enough on her plate with the little boy. I gave her my account number on a bit of paper and said anytime that suits you to credit my account. A couple of hours later the $315 was in my acc with an extra $10 and the three reference fields were filled in with Thank you Thank you and Thank you - very sweet of her.
But imagine it. Hard enough to mange supermarket shopping with a little guy acting up THEN finding the card is declined