> With a debit card you’re relying on the bank’s good will. With a credit card it’s the law.

Can't emphasize this enough!

It is true that many banks do offer fraud protections on their debit cards. But those are just a choice by the bank. They can at any moment stop or withdraw those protections and then you're out of luck.

With a credit card, the protections are written into regulation, so every bank must follow them and can't change the terms.

It's almost as if the law is setup to let people make bad choices with money they don't actually have so that some value can be extracted from them later.

Like it or not protecting people costs money, with credit cards banks have an opportunity to potentially recoup that, otherwise they don't do that at all or only do it when they can afford it.