Check out prepaid Visa cards. I have my paychecks setup to direct deposit on one and it works like a normal card, except it will never overdraft, which is god for a shoe addict like me!
You can use it online and in stores, and you can get one with any name you choose. Try and find one with little to no fees, and you can even find fee free ATMs. I use money network, but you can get them WalMart (eww) or drug stores like Walgreens. You can find reload locations on the cards website, and the WalMart option actually will allow you to reload in one of their classy establishments.
You need to do something man. It's not healthy for you, and you need to take care of your body. While we can make additions and adjustments, we ultimately only get one. Good luck and I hope you can figure it out!