It's a case of where consumer laws have been used against the overall public interest.

As a consumer using a debit card, you have lots of exposure. Bounced transactions, lots of paperwork and more bureaucratic pitfalls.

Credit cards with premium issuers are just a minor hassle. With Amex or Citi, you literally just need to click. With lousy issuers, you can be stuck dealing with a breach event for a long time.