From https://www.nerdwallet.com/article/credit-cards/credit-card-...

” For debit card transactions, the Electronic Funds Transfer Act (EFTA) applies. While these laws offer some similar protections, knowing the differences is key to understanding why it's safer to use one type of plastic than the other... According to the EFTA, your potential liability for fraudulent debit card transactions is virtually unlimited. You have up to 60 days to report a lost or stolen card under the EFTA. After that, you simply lose whatever money was taken, even funds siphoned from linked accounts.”

But the people on r/personalfinance told me to never ever buy anything on a debit card because I can't file chargebacks there! /s

You can but while you wait your money is gone, you can't use it. With a credit card it's the bank's money that is missing in the case of fraud or charge back.

Debit issuers are obliged to provisionally credit any disputed amount within at most 10 business days after the cardholder reporting a problem.

That's of course still worse than not being out the money on a credit card, but it's not the dealbreaker many make it out to be, and could easily be amended by regulators if there was any interest in doing anything about the drag on the economy that are inflated card payment fees.

10 days without my money compared to no days without my money?

You mean the same regulators who just rescinded the cap on overdrafts?

Definitely worse, as I already acknowledged, but not as bad as people often make it sound.

And yes, regulations alone aren't enough, they also need to be enforced. That goes for both credit (Reg Z) and debit (Reg E), though.