Chargebacks exists for (EU style) debit cards, too. It doesn't need to be simple just available, so if the merchant disappears with your money or someone uses y

Chargebacks exists for (EU style) debit cards, too. It doesn't need to be simple just available, so if the merchant disappears with your money or someone uses your stolen card, there is a way you can get your money back. With bank transfers that's not possible (at least here).