You can pay with credit card as a convenience + fraud protection mechanism without ever paying interest by just paying your bill off every month.

When chip and pin was first rolled out, Europeans were shocked by the low security of swipe cards in the US. The reason that wasn’t an issue for Americans was (and still is) that credit cards have excellent fraud protections.

If someone steals my credit card, it is the bank’s problem, not mine.

The risk of paying by debit card on a regular basis is unfathomable to me, even with fancy tech to try to make it secure.