> what debt?

You are taking debt whenever you use credit card. If you miss/forget payment, some tech fault or sometimes just because you can be charged hefty interest or charges.

You can keep a separate account for your daily transactions.

sorry for the confusion. i use the term “credit card” generically for debit and credit cards.

most people i know have debit cards.

That's because you are used to and expect card frauds. In UPI, the only way money leaves your bank is if you enter your PIN. Even standing instructions (called payment mandates) are required to notify you before they execute and you can stop/cancel it at anytime. (like Apple App Store subscriptions, but for everything!).

What happens when you buy or order something online and it doesn’t come, is broken, they won’t take it back, or a myriad of other situations? That’s fraud.

Withdrawing money from a credit card is taking on debt. Credit and debt are related concepts. Ask yourself this will you have to eventually pay interest on the borrowed money or not?

You can have other (non credit, say savings) bank accounts for security too. It's just as easy (or easier) as getting a credit card here (in India).

> Withdrawing money from a credit card is taking on debt.

i understand where the confusion comes from. i use the term “credit card” generically for debit and credit cards. sorry for the confusion.

> Ask yourself this will you have to eventually pay interest on the borrowed money or not?

No, because after a month, there will be an automatic payment from my bank for the balance. In that time, the bank is giving me their money and they’re on the hook for any fraud.

Why is the bank doing this for you? Out of the goodness of their hearts?