You can chargeback with a debit card

https://www.chargeback.io/blog/debit-card-chargebacks-guide

Liability is covered under the Electronic Fund Transfer Act

> You have zero liability if you report before any unauthorized charges are made. Reporting within two business days caps your liability at $50. However, if you wait over two business days but less than 60 calendar days after your statement is sent, your maximum liability jumps to $500. Beyond 60 days, you could be liable for all unauthorized charges.