I guess everything in the US is controlled by fear. So for them this might be a legit argument. "What happens if someone breaks into your house?". "What happens when somebody robbed you?". "What happens when somebody uses your credit card to do fraudulent transactions?"

Guess what, having a debit card in the Netherlands gives you protection against all of the above. Luckily not many people are ruled by scare tactics over here.

Lost your debit card for some reason? Just a simple click in your online banking app on your phone is enough to block the current one and recieve a new card the day after.