“Why I won’t get a debit card—straight pipeline into your funds.”
Well, that’s the bank’s problem. Most banks nowadays cover any unauthorized use of your card, as long as you report it within a certain time frame.
No, it's your problem if your checks bounce.
My solution is always to use my Amex card.
I remember when "check cards" were introduced. My new ATM card came with a MasterCard logo and a brochure touting the new charge card "feature".
I called the 800 number and asked if that meant charges could be made without entering the PIN. They said yes, it's more convenient you can use it anywhere a credit card can be used. I told them to close my account. They said, hold on, we'll send you a new card. And they did. In the next day's mail no stinkin' MC logo and a new account number not in the MC range.
ATM card should be used only at ATMs. All other payments should be using charge cards!