It varies by person, but if you are moderately responsible and have a budget or at least a good handle on your monthly income you would be stupid to not, say, buy things using Apple Card (just an example) with Apple Pay for 2% daily cash back. In addition, if someone swipes your debit card and steals the money from your account you are screwed. If someone swipes your credit card you just get a new card and nothing bad happens to you. You also have protections from bad sellers/merchants through chargeback mechanisms.
You just use the credit card as the debit card and you are good to go. Certainly not everyone can handle that and there's probably a society-wide problem here but that doesn't detract from the individual decision to be made in the operating environment.
You just use the credit card as the debit card and you are good to go. Certainly not everyone can handle that and there's probably a society-wide problem here but that doesn't detract from the individual decision to be made in the operating environment.