Completely understandable. But the 2002 article you linked to does contain outdated information -- these days, debit card transactions are protected under a different federal act, although it is still important to report the loss very quickly or your liability could increase.

And that is really the only issue, the extent of your liability. Because it is no easier to steal a debit card number online than to steal a credit card number; it's just that in the past you had no legal recourse if it happened with a debit card. These days, you have almost the same protections you have with a credit card, and if you are paying attention to your accounts you are just as safe using a debit card as a credit card.

(For me, personally, I am safer. Because I check my online bank statement almost every day, but I hardly ever look at activity on my credit card until the statement comes in the mail.)