Have you experienced that? There's limits on charges on debit cards, usually ~2000 Euros. Credit cards are higher but then again they also have the credit limit and won't go beyond that in most cases.
I haven’t experienced it personally, but I know someone who used a debit card for their utilities on auto-pay. Gas company said they damage their meter so they replaced it and auto-debited their account for $2,500. They had to borrow money from friends until it got fixed and the money refunded.