Debit cards

Q: I want your fatwa regarding the use of debit card. I understand that using credit card incurs interest when the withdrawn amount exceeds the amount in the person's account with the bank as the overdraft provided by the bank is charged with interest. However, the use of debit card withdraws amount only upto the amount present in the persons bank account and therefore no overdraft facility is provided. This means no interest is charged. I therefore want to ask, is the use of debit card lawful as per islamic principles and allowed? The amount payed on the issuence and renewal of the card is the cost of the use of the card facility as per my knowledge and does not involve interest. Please provide me a clear answer.

Giving someone money to buy drugs

Q: I regret to inform you that my younger brother is a drug addict from many years. His wife has also left him because of this. He has a 14 year old daughter and my mother is taking care of him. We have tried many times to treat him for drug addiction but he again starts taking drugs. He says that he cannot even move without drugs. My mother is suffering very much seeing his condition. She cannot see him dying in front of her eyes. She has to give him money for drugs and she feels that we should also give him money for drugs otherwise he would die. My question is, can I give him money for drugs or is it a sin? Please answer me as I am in a dilemma.

Performing ghusal due to feeling wetness upon awakening

Q: Please tell me in which situation I will have to perform ghusl if mani is not released but feel little wetness

1. If I saw a dream which is lovable in nature not sexual

2. I saw a dream in which I feel nervous or shy but don't do anything sexual 

3. A dream in which I got a little bit aroused but not anything sexual

b. If I am at first stage of my sleep but not sleep completely and some dirty things flashes but I don't feel vaginal throbbing or not my heart beat goes fast so does this count as a wet dream and do I have to perform ghusl?