Young adults unaware of debit card risks

Using a debit card is risky? Who knew? I'm a not so young adult and I was unaware of the risks like...wait for it...overdrafts. Or fraudulent transactions. Or increased liability on fraudulent transactions. CUNA's advice to you, unsuspecting debit card user: use a credit card. Great advice! So, because you may be liable for the purchases made on your debit card if it is stolen (and if you don't report it stolen within 48 hours and if then you don't report it stolen within 60 days, and you have a lot of money in your checking account) you should use a credit card since you are only liable for up to $50. It's pretty clear cut to me. Debit cards bad. Credit cards good. Thanks, CUNA.