Things that really aren't terribly fun

Ordering food to be delivered, then going to the ATM and having a moment of panic when, upon swiping your card, the ATM says your card cannot be used. Proceed to feel panicked until you think to try another debit card from another bank, which (besides charging you a ridiculous fee) will work fine.

For bonus anti-fun, then call the 800 number on the back of your card to see why they won't let you access your money, and be told they really don't know and the only department that might be able to help is closed for the weekend.