Yet if the airline goes under, or I never receive the product I bought online, using Visa/Mastercard I'm not left holding the bag. If I take a random loan with

Yet if the airline goes under, or I never receive the product I bought online, using Visa/Mastercard I'm not left holding the bag. If I take a random loan with the bank and use those funds to do the same purchases using debit, then I'm the one taking the loss.