I mean charge protection.

Debit has little to no financial protection, and in order to utilize it you need to go through complex loops, and they only guarantee up to a certain amount.

With (some) credit cards, you can literally call, and say you don't like the product, and they'll refund you, and let you keep the product.

That's probably one of the big reasons people use credit cards in The United States honestly.

If debit had similar protection I think things would change more.