I use my “debit card” ONLY for ATM access. Once, some years ago, I accidentally used it at a gas pump (same colors as my other credit card), but never again.
I guess I am just “old school” but don’t like the whole idea of debit cards.
You can set up a maximum transaction and/or maximum daily transaction limit for both PIN and non-PIN usage (because yes, that is your bank balance, even though the bank will usually credit duly reported fraud back to you as is the policy for VISA or MASTERCARD branded cards, it can be a complex hassle in the meantime).
ditto - only at the ATM