Bullshit. Having choice is always good.
OK, just keep telling yourself that, you'll make the government and big business very happy. Here in the UK we've had all sorts of services turned to junk as the government privetise everything they can in order to give us the mythical choice we apparantly all want (guess they must have interviewed you for that one). Sorry but a lot of research has been done on this one and choice is not always good. it' sjust the current mantra and you've bought into it.
you can't pay an electronic debit / transfer without having a positive balance.
Or within your overdraft limit. Pretty much everyone has an overdraft limit here. Being in credit certainly no limit to spending.
I think its a sad commentary that some of the posters on my comment have basically admitted that they have a debit card / account (that might get cleared out fraudulently) and another different (more secure) account that they keep cash in for their important payments that need to be made.
Debit and Credit cards have exactly the same security - Chip and Pin. The only difference is the account the money comes out of. If anything, the Credit card is the dodgy one if you have a big limit but generally, any fraud is not the problem of the card holder.
If you're interested here is a slightly dated but still mostly accurate opinion piece about why credit cards are the better choice.
It's not a case of Debit OR Credit, you have both. One for paying from your current account (checking for you US types) or credit card if you want to borrow the cash. That way you have a credit risk profile and convenience of being able to use whatever account you want.