The big difference between the risk profile of a credit card vs a debit card is that if I willingly put myself in debt by spending more than I can afford, that

The big difference between the risk profile of a credit card vs a debit card is that if I willingly put myself in debt by spending more than I can afford, that was an action I chose to take. If my card details get stolen and someone racks up a bunch of charges, I had little to no input in that action. At most, I was too trusting with my choice in vendors. I'd rather control things within my control, e.g., my spending, than those outside my control, like thieves and scammers. So I use my credit card everywhere.