I always wondered why (at least in America) credit cards have more consumer protections? It's essentially the same way to use money, if someone steals from your credit card you're protected, but if it's debit card, it's not? Why?
That's before you get into the whole "you gotta build credit" perversion that has Americans go into debt en masse and pay horrid fees on that.
Debit cards have some protections; the basic difference is that a credit card is spending someone else's money, which you have to pay back to them if it was actually authorized by you; a debit card is spending your money, which you can recover from the bank in certain circumstances if it is accepted to be unauthorized.