I know someone who got their debit card cloned. While the bank eventually repaid him, that did nothing to repay him the additional fees he owned his normal debtors (e.g. rent, utilities, etc).

With a credit card you aren't losing "actual" money. You are losing the bank's borrowed money which the bank pays back. With a debit card you're losing cash which you won't be able to replace yourself and which the bank might take days to weeks to replace.

Even if you NEED to borrow while your credit card is out of commission you can either use the overdraft facility on your debit card or other quick sources of credit. Hard to get quick cash without going to a pawn shop.