I often notice this expressed by Americans. I can't remember last time I gave my debit card (why would anyone need a credit card anyway) to any party other than big companies like PayPal. Locally I pay with Blik (I have to confirm exact amount transferred on my phone and the seller doesn't have an option to extract/ask for more). If a company really wants a card I create a virtual, load it up with a chosen small amount and get rid of it when I no longer need it. We also have instant bank transfers if needed (normal ones take several hours).

Even with debit cards you have 3D secure these days which requires confirmation on your phone.

Just because USA is behind in banking department and even credit/debit card thing doesn't mean those problems are especially hard to solve. The rest of the world is already partially there and with more fintechs putting pressure on banks things will improve even more.

My citi card offers virtual 1 time use numbers [0] and comes with all the normal benefits that you get from credit cards.

Also, you are trusting that the person you are sending money to honors their agreement as there is no intermediary to dispute transactional claims.

[0]: https://www.cardbenefits.citi.com/Products/Virtual-Account-N...

This sounds like a check that's signed electronically rather than physically.

I think another thing to note is that the other party is ASKING your bank/credit issuer to debit. The transaction can be stopped if not approved.

Normally I see the argument for crypto being that this helps merchants by avoiding charge backs, etc.