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We wrote last week about American Express’ new prepaid debit card, which is being billed as a low-fee, easy-to-understand alternative to the cluttered (and frankly shady) prepaid debit market.

This little caveat is what kills the Am Ex prepaid debit card, since no one with an Am Ex credit card or a checking account has any use for a prepaid debit card.

The primary reason to get a prepaid debit card is to avoid having a checking account to begin with, whether because you can’t make the minimum balance requirements to avoid paying fees, or because you simply don’t want to keep your cash with a bank.

In fact, prepaid debit is marketed as a “safe” alternative to credit and cash; there’s no possibility of overdrawing or going into debt, and it’s less cumbersome than bills and coins.

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