There are many differences between credit cards and debit cards, and I have both for different reasons. I like my debit card for ease of use in every day tasks and local errands. But debit cards are a bad idea for hotel check-in, rental cars, and other big ticket items.
I have been very careful about using my debit card, as I do not want to risk overdraft charges or having my card declined during a sale. But that has been self policing and I like it that way. On the news today, they announced that some banks are starting to implement a bank imposed limit of no more than $50 on any single debit card transaction.
I have not heard their rationale on this other than it being just another money grab by the banks. If this is going to be the case, I can always start carrying large amounts of cash rather than depositing my money in any bank for them to use until I need it. After all, this is my money – not theirs.