Why is the bank any more trustworthy than a vendor? Maybe instead a hand should pop out of my computer and let me give it cash.
Not more trustworthy, but bank are (usually) backed up by government up to a quite nice amount of cash. So if one bank totally screw up you have quite a solid insurance (it is basically why we always end up paying for their screw up). Off course that is only if you think your country is economically stable enough. Otherwise…you should not leave any money in the national bank in the first place. If a compagny screw up, you have none of those insurance, (except, how funny, the bank one…again). So yes, banks are more solid than any private compagny for those little billing problems. It is not a trust matter, it is a risk/reward matter. I do not trust a free hosting for a free game, but I do not risk anything either using one, be it as an admin or a player. I do not trust Sony for keeping my credit card number, hence I do not use their service either. As a matter of fact I trust no compagny for giving them a way to bill me to any other acount than theirs. They only need an autorization to bill, that they can get the first time they bill you. At least this way you know that even if the bill is wrong, where the money went. Give your credit card/debit card whatever number ? No need at all.