overdraft protection is another loan sharking thing here in the US, outrageously expensive, and why should you incur that expense over a fraudulent transaction?
Debit and Credit are not the same vis-a-vis consumer protection.
Someone racks up a $10K fraudulent charge on your credit card? You call the card company and they can't make any attempt to collect it, it's as if it doesn't exist, until they investigate it.
Someone makes a $10K fraudulent debit on your bank account? Maybe you've been charged for overdrafts (incurring a fee), maybe you've had transactions fail (incurring a fee), sure the bank will investigate. Meanwhile you're out $10K and even if they eventually reverse the transaction, they don't have to do anything about any fees you've incurred while the money was missing.
Consumer risk and cost for debit fraud is much higher than for credit fraud. Which is why all the banks want their customers to use debit. It's better for them, not for you.