Absolutely not. You call your bank, report an unauthorized debit, and get your money back within at most 10 business days.
That doesn't sound like a huge PITA to you that could just be avoided by not giving them that access in the first place?
What's the difference between that and somebody's only credit card getting maxed out by fraudsters? They also can't use it until they receive a provisional credit by their bank.
If your point is that a credit card separates rent from other payments, nothing is stopping you from having multiple checking accounts either.
The takeaway for me would be "don't bank with a customer-hostile bank", though, not "hope that the credit card department of your bank is better than the average of the bank".