If your debit card number manages to get itself stolen, you're held directly liable for the crook's purchases because it's linked directly to your bank account. Even if you keep little money in the account or have "identity theft" insurance - your bank and your insurance will still go after you. Their lawyers trot out the "You should have known better and used credit," and you have no counter argument. It'll further destroy your credit history and you'll never be able to borrow money / have credit again.
It's why credit is 1,000x safer. The crook is using your credit, but the credit card company's money. Those companies take out insurance on identity theft, actively screen for fraudulent purchases and will be inclined to forgive you if you are able to quickly report the fraud. Basically you're enlisting the resources of the credit card to protect you.
In addition - your "safety precautions" don't matter one stinking bit. Today's crooks do not go after you - they go after the gas stations, stores, restaurants and utility companies. That's because almost every company today stores your debit/credit information (without your consent or knowledge) and fails to sufficiently protect the information. It's mind-blowingly easy for a crooked employee to attach a skimmer to the card reader or for someone to hack a company database and sell the data. It sucks, because there's NOTHING you can do to prevent it.