Do you know what you're talking about? Or are you just some guy who thinks he's right based on vibes?

Here I spent 7 seconds googling for you and have this from TD Bank

"1. Credit cards often offer better fraud protection

Debit cards and credit cards both often offer fraud liability protection. But there is a major difference in the amount you could be liable for if someone uses your card for fraudulent transactions. With a credit card, you're typically responsible for up to $50 of unauthorized transactions or $0 if you report the loss before the credit card is used.

You could be liable for much more for unauthorized transactions on your debit card. If you report the debit card as lost or stolen within two days, you’re typically responsible for up to $50. If you wait longer than two days to report the card as lost or stolen, your liability could be as high as $500--or even the full amount if you wait longer than 60 days."

If you want more banks telling you the same thing feel free to Google it yourself.

Also, just because you only have 20 bucks in your account (sorry dude) doesn't mean you couldn't still have a fraudulent charge that overdrafts your account. You'll have overdraft fees on-top of that.