> If your debit card is stolen, your bank has to return all money that was used or withdrawn to you. Since it is unauthorized use of your funds. Same for credit cards of course. Such money is returned swiftly.
This may be what the letter of the law says but this isn't reality. Using debit puts you at greater financial risk.
“Using debit puts you at a greater financial risk.”
What how? Surely the US populations credit card debt dorf even the global populations debit card fraud numbers. So while my whole family in a combined 200 years of adulthood have indeed lost some 1000 euro total in fraud, it's not thing compared to the average Americans credit card bills.
I'd rather risk the street criminals with my debit than the suit wearing ones with their credit.
From a technical and user point of view, MitID have had less outages than Cloudflare, AWS and MS Azure in the last year. While I agree with the single point of failure, I also like that I setup my startup with all government and banking online via a login I had the last decade, painless and faster than most places without having to upload a single document in many a unsecured ways I heard from my US and Other European friends (outside the Nordic countries).
Yes we Danes trust our institutions more than others and trust is given by default and then lost, rather then "earned" (I would argue bought) in other places.