The only time that matters is when a card-network-level dispute fails. The vast majority of fraud gets resolved at the card network level and would be the same

The only time that matters is when a card-network-level dispute fails. The vast majority of fraud gets resolved at the card network level and would be the same on a debit card. The only time credit-card-specific regulations come into play is when a card network dispute fails - in this case with debit cards you're SOL, with credit cards the law forces the lender to eat the cost. But again, my point isn't that there currently aren't any advantages to credit card, but rather that those advantages are purely artificial - there's no reason they can't apply to debit cards as well if there wasn't an interest to preserve the status-quo.