Comment by microtonal

My debit card is a direct line to my primary bank account. If something goes wrong there and an attacker gains access, my cash is simply gone.

Your bank lacks proper security protections then. Here most banks have limits on debit card transactions. If you want to do a very large transaction, you have to increase the limit for a short time period in your banking app, and there is a delay of a few hours (they'll warn you when the spending limit is increased).

IANAL, but also consumer protection is much stronger in Europe. E.g. in NL if you stick to 5 basic rules, which are sensible things like not intentionally giving away your banking card or PIN code, the bank has to refund stolen money:

https://www.consumentenbond.nl/betaalrekening/bankvoorwaarde...