I wouldn't mind using my debit card more often if it had the same type of insurance against fraud as my credit cards.
I don't really care about cash back and I know that retailers pay high fees, but I don't get any kind of cash discount with debit other than gas and I don't want to risk having my check account cleaned out.
If you put everything on a good cash-back card, and you pay off your balance every month, it can really add up. Let's say you run $30k a year through your card and have something like the 2% cash back Citi DoubleCash Mastercard. That's $600 a year you're foregoing by not caring about cash back. Just a thought.
It's not that I don't care about cash back, but I would simply prefer prices in general be 2% cheaper rather than having to claim them via a cash back card.
This type of thing warps price perception and just passes the costs back onto consumers in other ways.
I don't really care about cash back and I know that retailers pay high fees, but I don't get any kind of cash discount with debit other than gas and I don't want to risk having my check account cleaned out.