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That depends. How understanding will your landlord or your bank be when your rent or mortgage check bounces because the day it was deposited somebody ran up charges on your debit card that emptied your bank account? Sure you'll be able to dispute the charge, but that didn't stop the checks from bouncing between the time it happened and the time you got to the bank to fill out the paperwork on the fraudulent charge. Same if you're at the end of a trip and go to pay your hotel bill and your credit card's over limit because of fraudulent charges. Sure you'll be able to dispute them, but that doesn't make the hotel bill magically paid.
Not only that, if you have a debit card and you are disputing charges, the banks will put a freeze on your account while the dispute is being investigated.
Whoa, epic irony...