I'm not saying debit cards are better at fraud prevention and response; I'm saying they're roughly equivalent. The downsides of credit cards are self-evident.

The downsides aren’t really self-evident to me. I’ve been using credit cards for everything I can for 35 years and I can’t think of any downsides. Even the cards I’ve had that had annual fees I chose to pay that fee because the benefits were worth more than the fee to me.

I can think of plenty of times where the upsides of having a credit card were realized though.

So maybe I’m wrong but the belief is that debit card protections are worse than a credit card in the US. I really don’t have the personal time to test this, but I do know that when I dispute on a credit card it is initially removed until proven valid.

Again maybe I’m wrong but I don’t agree they are equivalent. It sure fucking feels that way, the money isn’t threatened from my account.