The fees that fund those protections don’t exist on the debit card.

It’s also fundamentally different. There are protections, but they depend on you being aware of the activity to avoid impact. Basically, in the event of fraud with a credit card, Chase or AMEX have a problem. With a debit card you have a problem until the resolve it. In the meantime, your payments and checks may not clear or hit overdraft.

As long as you can control your spending, credit cards are a real superpower for consumers.