You actually have more liability if you debit card number is lost or stolen (i.e. even if you use it at a restaurant, you’re vulnerable.)
We use a designated CC for all purchases (groceries, gas, etc.) and then reap the benefits of reward points...we don’t carry a balance.
re #12.....smart, many people do the same thing. Debit cards are convenient, but, like you say....much more liability if lost or stolen. No reason for a bank not to issue a picture with on the debit cards....that would stop a lot of fraud attempts. Some banks issue credit cards with picture id’s which is very smart. I will say AMEX nowadays will not let large purchases take place if out of state at stores unless one notifies them 1st.....they did it 2 me twice here in NC from cities 100+ miles away that I go to on occasion.
I’m a consultant in banking, and any bank not adhering to the zero-liability contracts in place with Visa, on cards carrying the Visa logo, are in breach of their contracts. Max liability is $50, period. I’m not certain what the particulars are for the author of the link you posted, but I have personally had my debit number stolen twice, and Visa caught it both times and I endured no liability either time, with funds replaced the very next day.