Even if the credit card company decides to hold you liable, you're still better off, because they have to follow court procedures and get a judgment against you

Even if the credit card company decides to hold you liable, you're still better off, because they have to follow court procedures and get a judgment against you before they can actually take your money. With a debit card, the money is just gone and the burden is generally on you to find some way of recovering it from whoever stole it.