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.
My bank immediately ‘reverses’ the debt charge (at least on my side) when I contact them, then investigates.
If it’s fraud, they figure out how to makes themselves whole. If it’s not fraud, and simply a mistake on my part, they re-debit my account.
Small, home town bank, this may not be true for others, but it’s an easy way for me to operate on a ‘cash’ basis without using cash.