The inconvenient shortage.
Imagine spending an hour or more doing your grocery shopping, waiting in line at the register, having your purchases packed into bags, and then having your debit card declined when you're ready to pay.

Regardless of the reason for the shortage in your account, Protection Plus can have the transaction clear, rather than having to explain to the cashier - and the people waiting behind you - and then putting your cart full of groceries back on the shelf.