Temperature: I can't stand more than 25 °C (well, I can, but I don't like it). Big software: I missed the old times where you just needed a text editor and a terminal in order to "create" computer programs. Nowadays it seems that you need IDEs (specially in mobile development), frameworks, unit testing frameworks, CI servers; and you have all types of "mini software programs" you have to use just because your team sa…
About the pseudo credit card, in Portugal (where I'm from) we have a system called mbnet [1] where any portuguese bank account owner may create a temporary credit card. I usually use it for buying things online. This card has some security restrictions: you can specify if it's going to be used for 1 or more transactions and the top amount of the transaction.
It works pretty well.