> Those pre paid credit cards come with their own substantial fees, and usually are without rewards or purchase protections.

Having looked over a few the fees aren't any different than what you'd expect at a commercial bank like Wells Fargo. Many do come with rewards, often tied to the network of stores that issues them. Purchase protections aren't universal on standard cards.

> I’m not entirely sure what you’re getting at?

That debit cards aren't inherently safer than credit cards and this is reflected in the scope of available products.