I never tell anyone it’s a CC, it’s not, it’s a debit card.
The money is withdrawn from my account in minutes of using it at most merchants, although some take several days. The immediate withdrawal is a benefit in my eyes. I changed banks to get that feature.
If I want delayed withdrawal (payment really) I use a CC.
If there is a discrepancy, I can contest it the same way I contest a CC mistake.
I agree, and when it is settled, there is no difference. But before it is settled, the CC is waiting for you to pay; the DC is holding your money.
Why is that good?, versus a credit card delayed bill?
Because you have a wife and kids you cant say no too easily?
(my sister used to tell me that for her when she used debit card after she lost her credit)