"That debit card and/or credit card, for some, will become a major problem. DD had several teammates of her 4 years get their accounts hacked."
Never Ever use a debit card for anything!......If that gets stolen, all that money comes from your bank account. A credit card stolen goes to the credit card company, who will just cancel the charge with no harm to you.
As long as your debit card carries the Visa or MasterCard logo, you have the same protections against fraud as a credit card with those logos.
The beauty of debit cards is they protect us from being human, which means we sometimes make mistakes. We can be impulsive, foolish, overspend, and forget to pay bills on time. The credit card companies/issuing banks love this and count on it for a large part of their income. They prey on people with their high interest for carrying a balance and fees for paying late.
With a debit card, you cannot go on a shopping binge and put yourself in a ton of debt. You only spend what you have. There is no bill to pay at the end of the billing cycle, so no interest or late fees.
Another perk is a less stressful life. No worrying about how I'm going to pay the CC bill when it is due. I've already paid.