> The big difference is that with a debit card, it's your money that is hit by fraud.

I kind of disagree. I think what's happened is the bank would prefer you to believe that. Imagine I kept my money at the bank, and deposited $10000 with the teller. Immediately afterward a robber follows in and steals that $10000 from the teller. Does the bank say "oh no Mr. TheChao! A robber stole your $10000!". I mean, no? The bank got robbed. Just because the bank's digital security is more tied one-to-one to dollars and its easier for a robber to steal from "my till" doesn't mean it was me who was robbed. It's the bank's job to stop that.

Eh when you deposit money with a teller, it gets added to your account, which is in physical terms probably just a big storage and a database who has how much.

But in the case of debit card, the card ties the money to your account. It is actually that.

It's as if someone would steal from a personal safe at the bank.