Pretty weak thesis I would say. Visa debit exists and is equally convenient as credit card without the debt drawback. You can get one that is indistinguishable

Pretty weak thesis I would say. Visa debit exists and is equally convenient as credit card without the debt drawback. You can get one that is indistinguishable from visa cc to the merchant and hence works everywhere normal Visa does (unlike the one branded "visa debit" that existed many years ago).