You don't want to keep all your money in a single account, regardless, and if you do, you definitely don't want a card on that account that you use in the wild.
Specific UK example that happened recently to a friend of mine, he had a single HSBC current account with ~£5000 in it. He had a debit card with that account, and used that in ATMs, at restaurants, etc. as his primary spending mechanism. His debit card got cloned and the account emptied.
There are protections in place, one of which that he still had possession of the card, that resulted in him getting all the money refunded to his account. However, the process took six weeks. For the duration of that time, he had no money at all.
Since then, he has a separate account that he uses for ATMs (never keeps more than £500 in there) and all other spending goes on a credit card, which gets paid off in full every month. If his ATM card gets cloned, he's out £500 at most for a few weeks until he gets it refunded. If his credit card gets cloned, he's not out a single penny, as disputed transactions are struck from statement balances due at the end of the month.