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Balance transfers
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Generally speaking you will get away with a BT from another person's card - just obviously you are taking on the debt and are then liable for it. Banks could add checks of course if they wanted to but it's unlikely it would fail
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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