Nope. The card company is out the money, not you. Of course, admittedly, it's still inconvenient.
As for debit cards, don't carry them. Ask your bank for an ATM-only card. Make sure it doesn't have a Visa or Master Card logo.
The rules about who is liable are similar for debit and credit cards. But with a debit card, the bank already has your money, and if there's an impasse, you have to sue them. With a credit card, it's the other way around: the card company has to sue you.
Thank you for the pointers CynWoody.