> In the US, using a debit card frequently means that you are liable for fraudulent use, lost money, etc.

Sounds like the US needs to modernize a little bit then, I have the same protections with my debit cards, besides the extended warranty.

There are fraud protections on debit cards in the US as well, but the problem still starts with your losing your money, and you have to take action and time to get it back. With a credit card, the bank is out the money initially instead of you.

Last time I had a fraudulent charge on my debit card I went to the web portal, hit "Dispute/Chargeback" or whatever it said, it asked me for a reason, I answered "fraud" and it asked for details and blocked my card. Couple of hours later I had the money back in the account and a couple of days later I could pick up the card at the bank. Doesn't feel like a major hassle really.

That sounds like a hassle to me, and from the point of the fraudulent charge to the chargeback you could have been affected by bounced checks due to unexpectedly deplete funds. I don't see the value when you get complete protection, and 30 day free loans from a credit card for no cost.