That’s why I don’t do debit cards. (Sorry Dave Ramsey) I don’t do online banking either. Scammers galore out there and unscrupulous thieves.
I use an Amex charge card. You have to pay an annual fee but there’s usually enough perks/discounts to cover that cost - interest free usage and you gain points for each dollar you spend.
I’ve even gotten mature enough that I have an online bank account (with a good interest rate) and a regular bank which receives my direct deposits. The online banks are great - BUT - you can’t get cash into them easily. So I keep a local bank as my “feeder” and then do electronic transfers monthly to the online account and pay bills out of that. (It also provided a small amount of comfort this past year when I thought some banks might collapse and I’d at least have some cash in one or the other)