I guess the thing is, if I'm about to go on vacation and you (the business) lose my credit card through no fault of mine, I expect you to move heaven and earth to do SOMETHING that'll make up for it immediately so that my vacation isn't disrupted. If power tools aren't practical, handing over some cash would be valid. But anything that leaves me with no money, no credit card, and no way to do anything about it until my vacation's over, would leave me with a very sour taste in my mouth,
This is the kind of thing that drives lawyers into Happy Heaven. I would certainly understand the frustration - but what is it you really expect them to do?
The best possible solution is for the credit card company to overnight you a replacement card, if that's impossible then I have to wonder WHAT would really make you happy?
You have a $3000 line of credit on your card, is the business supposed to GIVE you $3000 so you can take a free vacation on them? What if it's $10,000 would that make it better for you? What's the reasonable expectation here? If you planned on spending $2400 would you like the business to front you $2400 and then when your replacement card gets here have them put the $2400 on your credit card... I think there's a reasonableness standard that needs to apply here.
It would still leave a sour taste in your mouth no matter what they did at that point. But truly accidents happen, they didn't lose it intentionally and now that they know there is a problem their going to make sure it never happens again. I just don't see what reasonable expectation customers see for businesses to abide by sometimes - just because WMart has deep pockets doesn't mean they owe you a $10,000 vacation, maybe $500 for your inconvenience.
These are the kinds of lawsuits that clog our courtrooms - not completely frivolous but ridiculous demands. (And I'm not referring to YOU specifically, just the public in general)