>>Answer - use your credit card and don't carry any balances.
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>If the robberies were so frequent, they'd already stop doing that. I think lots of that is just hype to raise the insurance rates and generally push everyone to use the plastic and be tracked on every purchase. I very much prefer staying as anonimous as I can.
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>You wouldn't catch me dead with a credit card. Debit is as far as I go. And I do have an imbalance, which I use when I pay. I wish I had a balance, i.e. if I could just pull all the money at will. But they always have ways to make it hard.

I'm just the opposite. US laws protect personal credit cards but not debit cards or business credit cards.. Legally, with US issued credit cards the users maximum liability is limited to $50 US.
Also, I have never used an ATM. I refuse to accept a PIN for cards that can be used as both debit and credit.

This link is a good summary of debit v credit cards: https://clark.com/commoncents/debit-vs-credit-pros-cons-protections-money/

To me it boils down to liability and who holds the money while disagreements are being settled.