Banks absolutely love debit cards, which I never use. I charge [literally] everything on my Visa and make one giant payoff each month. As long as one's credit limit is high enough to cover a whole month's spending, and you pay it off each month of course, it avoids that pitfall. And I like the idea of using their money for 45 days.
The best we can do is shop around for banking services. There are better deals out there. If you're willing to deal with a bank that may not have a physical presence in your town, you can do better.
"Banks absolutely love debit cards, which I never use"
My bank lets me use my 'debit' card as a credit card.
As long as I have the funds to cover my purchases, there is no problem and no charges.
BTW: If I try to charge something without enough in my account, the machine will say 'insufficient funds for this transaction'.