Use Paypal when possible.
FR accepts Paypal.
If Paypal is not an option, use credit card.
My credit card has zero liability for fraudulent use.
I hate PayPal.... so I’ll probably use a credit card next time, although I think I have the came protections from Chase on the debit card... at least I hope so. I’m a Private Client with Chase, so they do try to keep us happy on these sorts of things.