At least with a credit card you have some fraud protection. Report it and the charge should be reversed. And chargebacks are possible.
With a debit card you’re playing with your own money.
how is it not also your money when using a credit card? It's in the name, "credit" card. you have to pay it off, no? (i have never ever used a credit card)
In the US at least, there are still federal protections for debit card fraud: https://uslawexplained.com/debit_card
That has not been my experience with debit cards in the US at major banks, at all, over decades.
(I'm pathologically avoidant of credit cards, which I think are mostly pointless.)