They’ll cover it until they don’t.
No downside to using a credit card exclusively.
And I could say the same thing about credit cards, too. They will cover it until they don't. The banks will always cover losses of debit cards because if they don't everyone will stop using them.
How many people would use credit cards if the banks stopped covering fraud and theft? Everyone, because your credit card is one swipe away from you owing thousands of dollars of someone else's purchases.
Losses from debit and credit cards is part of the cost of doing business for a bank, and of course, those costs are passed on to their account holders just like any other company.