You seem to be way overthinking this.
With a debit card, the cash is debited from your account and gone.
With a credit card, your cash doesn’t leave your account until you pay your monthly bill.
Therein lies the protection benefit.
The credit card company has a vested interest, as it was their money that was stolen/fraudulently obtained. Not yours.
No plots, nothing sinister. Simple banking structures. Very straightforward.
Also, just as a more general note, using a credit card for every purchase and paying it once a month is in no way more complicated than using a debit card to make those same purchases.
In many ways, it is easier.
With a debit card, the cash is debited from your account and gone.
With a credit card, your cash doesn’t leave your account until you pay your monthly bill.
Therein lies the protection benefit.
The credit card company has a vested interest, as it was their money that was stolen/fraudulently obtained. Not yours.
No plots, nothing sinister. Simple banking structures. Very straightforward.
Also, just as a more general note, using a credit card for every purchase and paying it once a month is in no way more complicated than using a debit card to make those same purchases.
In many ways, it is easier.
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