I repeat this almost every time this topic comes up:
With a credit card, you can say that the charge was fraudulent and they will take the charge(s) off and you're not on the hook. With a debit card, you're out the money of the fraudulent charge while the bank investigates. From my personal experience, this can take a few days to 3 weeks before the bank puts the money back in your account. If the charge happens to put your account into overdraft, you may still have to pay the overdraft fee which may be hard to get overturned.
I pretty much only use my debit card as an ATM card. Very rarely do I actually use it as a debit card (there are rare instances where I may need to)
Conclusion: Don't use your debit card online if you have a credit card.
Used to work in the industry manufacturing and programming these cards. You are exactly correct, the credit network provides more protection for the cardholder than using your debit card.
With a credit card, you can say that the charge was fraudulent and they will take the charge(s) off and you're not on the hook. With a debit card, you're out the money of the fraudulent charge while the bank investigates. From my personal experience, this can take a few days to 3 weeks before the bank puts the money back in your account. If the charge happens to put your account into overdraft, you may still have to pay the overdraft fee which may be hard to get overturned.
I pretty much only use my debit card as an ATM card. Very rarely do I actually use it as a debit card (there are rare instances where I may need to)
Conclusion: Don't use your debit card online if you have a credit card.