The funding method (credit or debit) is in theory completely orthogonal to the dispute settlement mechanism and legal liability provisions of a given payment me

The funding method (credit or debit) is in theory completely orthogonal to the dispute settlement mechanism and legal liability provisions of a given payment method. One exception is that for debit, you're possibly out the money until the dispute is settled; one mechanism to avoid that would be a regular overdraft facility (in the European sense, i.e. with a listed interchange fee and not a fine-like flat fee like in the US) for credit-worthy account holders, and a refund of all interest incurred due to eventually successfully charged back payments.