You called and the money was available for you to spend within 2 minutes? When it happened to me I had to go in and fill out a form and wait about a month (not easy on a student budget).

Yep. I rang and said there's a payment I don't recognize and that I didn't make, for Uber in Vietnam. The agent was like "yep, looks fraudulent, we'll cancel it right now and are sending a new card straight away". Money was back by the time I disconnected from the call. Second time it was someone buying stuff on PSN with my card, exact same situation - had the money back instantly.

A friend of mine had her debit card skimmed years ago. The skimmer used it in the area around town, going to restaurants and buying gas in the area. When she noticed the fraudulent charges (transaction declined) she contacted her bank. It took a week for most of her charges to be investigated and reversed, in the mean time she had absolutely no cash.

if they disagree with your assessment it's a different story with a debit vs. credit card

the key difference is with the debit card it's your money that's been stolen, whereas with a credit card it's the bank's money