The bad first impression.
If you are treating a family member, prospective client, or date to a meal, the last thing you want is for your companion to witness your card being declined when it's time to pay. If you do not have Protection Plus on your account, and you lack sufficient funds to cover a transaction, your card will be denied at a restaurant, gas station, ATM or other point of sale.

For many members, the ability to avoid this embarrassment and inconvenience makes keeping Protection Plus on their account a smart choice.