In defense of debit cards, in the event you do lose it and someone's emptying your account, your bank should still restore your funds after the theft. I say this because it happened to my wife; Chase's fraud prevention kicked in after about $300, all of which was refunded as soon as she figured out what had happened.
It has actually been that way for awhile. Back about 9-10 years ago someone used my wife's debit card number and after reporting it the bank restored the funds.
I lost a little over £1000 from my debit card once; the bank did refund it but it took 5 internal forms, a police fraud report and a month to get the money back.
