I think you might want to check that again. If the card is Visa or Mastercard, then it should offer fraud protections in mostly the same way as a credit card. You might be pleasantly surprised.

Most debit cards today have PIN, but that doesn't waive fraud or theft protections. If I purchase something online the purchase of course has my permission. If the goods are faulty or not delivered, then that is fraud and has chargeback protection. Even if you used your PIN, even if you used two factor authentication.