I have. Very interesting. One "feature" of debit cards is that if you use them at a cash machine and you don't get what you ask for, too bad, you lose. Now, if you get more than you ask for the financial institution will be all over you. And of course, as pointed out by many posters, there is protection against fraud for credit cards but not debit cards, at least in the USA. These are the reasons our family does not use a debit card.
One possibility credit card issuers could implement is to deny retailers the ability to accept their credit and debit cards unless they allowed the use of credit card electronic systems for their cards such as Apple Pay or Google Wallet. It might hurt the issuers for a while but the retailers more. Returning to cash and paper checks would impose enormous overhead to retailers reconciling mounds of cash and paper checks. Large retail stores will need fork lifts to move all that paper around.
The thing that makes Apple Pay so intriguing is that each transaction produces and transmits a unique code for each purchase that does not include the credit card number. I'm assuming the code is encrypted, but even if it's not, that code will not be used again so if it's intercepted it's useless to the thief. Not sure if the Google system uses the same process, but it would be easy for them to adopt it.