Ah that's interesting, all the banks around me stopped issuing ATM cards and only issue debit cards nowadays. I wish I wasn't required to have a debit card with those banks - I purposely tell my banks to disable debit/POS features on the debit card so it is only functional at ATMs.

All that aside you should consider getting a credit card or a prepaid credit card for those types of transactions. It's safer to separate your bank account from your day-to-day payments/shopping, not great when someone gets access to your debit card which then gives them direct access to your bank account balance. At least with a credit card those situations are just a dispute that never affect your actual money in the bank.

I don't care if companies speculate or if they make a profit.