mine is but I have a system very similar to the OP you responded to. I do not carry my debit card unless under specific circumstances (ie: When i traveled to Vietnam I carried it). Also that specific debit card is tied to a limited account with a minimum balance. Enough to take cash out but not the main account i pay bills out of etc. Its used specifically as a medium for transactions to services (ie: Venmo, CashApp or ATM withdraws) with a limited balance in case its comprimised.
My primary bank account debit card never leaves the safe unless for a specific trip to the ATM etc, even then most of the time i got to a branch directly.
Vendors (ie: Stores, Restaurants etc) will not ever swipe even my debit card first discussed. That goes through Amex or a backup Visa card. Those balances are paid in full monthly via bill pay from the main bank account.
My wife also has a similar auxilliary bank account+debit card with minimum balances but generally also uses Amex or the Visa CC on that account.
So we structure our finances this way
1. Primary Joint Account + Savings - Pay bills out of only. No ETF allowed or ATM allowed in general.
2. Secondary Joint Account + Savings (both his and hers) - use for special uses, ie: Venmo, CashApp ETF, ATM
3. Primary CC accounts - Amex, Visa (his and hers) - used for day to day purchasing. Paid in full monthly via #1.