True, but my point is that it's just a regulatory issue - technically there's no difference between credit and debit cards from a scam/fraud point of view (in f

True, but my point is that it's just a regulatory issue - technically there's no difference between credit and debit cards from a scam/fraud point of view (in fact scammers don't know nor care what account type it is as long as it authorizes their fraudulent transaction). There's no reason why the law can't be updated to offer the same protections for debit cards and make it where a single phone call or button in your banking app can immediately reverse a transaction (and thus give you the money back) while it is being investigated. In addition, keep in mind that when it comes to payment cards, there are 2 levels of fraud protection. One is offered by the card networks and in the vast majority of cases doesn't care about the bank or the account type. This will cover the vast majority of fraud and in most cases fraud disputes end there and thus would also apply to debit cards (I've used debit cards for all my life and the few instances of fraud I've had have been resolved by card networks just fine in a timely manner - in fact if the bank is willing they are able to credit you the amount immediately while they investigate, though unlike on credit cards they aren't obligated to by law). The second level is country-dependent and usually specific to credit cards - this is where laws enforce stronger protections and would force the lender to eat the transaction even if a card network dispute isn't successful. This is a purely regulatory difference, and there's no reason the law can't be updated to also apply to debit cards.