My guiding principle is that it’s best to not let someone take money out of your bank account since putting it back in is a hassle. What happens in this scenar

My guiding principle is that it’s best to not let someone take money out of your bank account since putting it back in is a hassle. What happens in this scenario: You use a debit card to purchase something from eBay and what you got isn’t what was promised. eBay sides with the seller. What recourse do you have? With a credit card, in the worst case scenario, I just don’t pay the credit card company. I don’t care about credit ratings and credit card companies won’t sue me for the money. They’ll just ding my credit rating.