> Debit card gets stolen - All my money is taken out of my bank. I now cannot pay my rent or buy groceries. I tell bank, and they start an investigation. Maybe in 90 days I get my money back.

Not true - if you report fraudulent charges the money must be returned to your account within 10 days until the investigation is concluded according to federal law. Many banks will return the money much immediately as well - if yours doesn't, get a new bank.

Visa and Mastercard, who control 100% of the debit card processing in the US, both have 0-liability policies on debit cards, and as the payment processors, they have required banks to follow suit, and to follow an immediate refund policy on fraud as well.