This gets repeated, but it's not true everywhere. Some banks may not care or maybe it's harder in some countries. But for example in the UK I could easily revert a few £k the same day without issues. I'd love to read more about where the differences come from, but the blanket statement is not 100% correct.
It always depends, so do your own research, but as far as I understand, it is still considered decent general advice to tell people to prefer credit cards over debit cards. They will build credit, earn rewards, have excellent consumer protection from fraud, increase the distance between their purchases and the cash in their bank account, and so on.
This sentence is the epitome of marketing brainwashing in the US. Not trying to single you out, as we all suffer it to different degrees here, but this sentence kind of puts it in such a nice little box.
What's a reward? What actions warrant such gifts? Why don't they just give you money instead of "points"? At any point, does the gameification of debt strike any of us as one of the most abhorrent MBA ideas in history? It's right up there on the list, sitting below indentured servitude and for-profit prisons.