YNAB Cheerleaders

Renee writes, we've been avid YNAB users and cheerleaders for seven years. She said their debit card got hacked and the bank didn't catch it as soon and it was twice. Alan writes in, how do you extricate yourself from this system where you're going to be the fool if you don't use credit cards? There's safety in making investments, not into locked up tax, things like 401Ks and IRAs.