You get NONE of this with a debit card. The only reason a debit card is preferable is if you don't have the self control to spend an amount you can pay off every month
Or if you don't want to pay a fee to have a credit card.
Or if you don't like the terms and conditions.
Or if you care AT ALL about your privacy, and don't want every purchase you ever made in the database of the big three, free for ANYBODY to look up.
Or if you want to ensure that any lucky identity thieves can't do anything to ruin your non-existent credit rating...
Or...
For that matter, there should probably be another level of simplified 1040EE to catch the next most common group of complications that are beyond an EZ.
There is; form 1040A, the "short form", plus Schedule L as noted by others.
Things don't really get messy, though, until you have to do schedule C. The 1040 long form + Schedules A and B is long, but not too complex. Schedule C is an f'ing nightmare because of having to figure out each category of expense, plus possibly worrying about depreciation (if the expense doesn't qualify for Section 179, anyway), inventory (if you have it), etc.
Stupid Socialist
If it has syntax, it isn't user friendly.