Wait a second here. Using debit is more financially responsible than just using credit. You get more protection with credit for sure, but you also guarantee yourself debt unless you pay off your balance every month which obviously the majority of people do not do. America has this plastic only mindset. Cash and debit are the best ways to avoid yourself getting in trouble. Switzerland, one of the wealthiest nations and known for its banks, is mostly a cash nation. In most of Europe in fact cash is way more common. Whenever I pay for something here, I get a robotic "credit or debit" question. It's really ridiculous. We have been brainwashed to use plastic to encourage spending since it doesn't hurt as much when you just swipe instead of handing over green bills. It also makes banks tons of money charging interest on something that doesn't need to be "financed."
