You are making a purchase ON credit, and unless you are wildly negligent the merchant who accepts payment for the fraudulent purchase eats the costs. You may have to pay the balance owed while the chargeback works through the system but you will not ultimately pay for it.

Plus - like it or not - our society builds your credit based on your use of a credit card. And if you pay your balance in full every month I'm not sure why anyone would prefer paying up front (debit) vs. free financing.