We don’t have a credit card, haven’t used one for at least 7 years. At the pump you have to say that whether it’s a debit or credit card. I always say credit and never enter my PIN. Same at any store, there is always a way to sign for the transaction rather than enter a PIN.
Plus the bank will refund fraudulent charges. I don’t understand why a debit card is so much more dangerous than a credit card. Perhaps other people keep much more money in their checking account than we do. We keep most of ours in a money market and transfer funds as needed. No card attached to the money market.
We use a similar arrangement. Even if the Debit card ever gets hit, there isn't much available to lose. And as we have seen, the bank will eat the losses if we are paying attention.
We do pay close attention.
Fraudulent debit card transactions are also reimbursed by banks. They have to; otherwise, no one would use debit cards.