[gruez]

>> but you have added fraud protection also.

>In practice, all the fraud I've been victim of always fit within the card networks' dispute resolution rules

I think there's an element of "fraud protection" that you're missing. If your debit card gets breached and someone racks up $2000 worth of charges on it, the $2000 is immediately gone from your bank account. If rent/bills are due soon, that might be bad. On the other hand if you have a credit card, you have at least 3-4 weeks since the bill is issued before you have to pay, which means 3-4 extra weeks to get it resolved/refunded without having it affect your finances.