If someone steals from the debitcard, they steal your money. If someone steals from your credit card, that's not your money, it's the bank's money - the bank w

If someone steals from the debitcard, they steal your money. If someone steals from your credit card, that's not your money, it's the bank's money - the bank was trying to give you a loan and gave it to the wrong person. That's their problem. If we didn't have this rule, there would be unlimited rampant fraud - you don't just loose all you have, you loose what you haven't. We would suddenly find out that we are a million dollars in debt for no reason.