I dont own a debit card why use my $$ when I can use the banks for free.
Also as @Just1more says disputes and fraud tie up your cash until resolved or if resolved I should say.
Y'all are using the wrong banks, My account/debit card has been hacked twice, and the bank immediately replaced the money, subject to it's investigation. Ivestigation confirmed the hack, got a letter in the mail saying that, case closed. Other than a trip to the bank, no problem.