And unlike a credit card, it's easy to vary the risk/limit with a debit card. Just keep the main funds on a separate, non-card accound, and transfer to the debit card account as needed.

I usually keep around $200 on my debit card, which means I lose at most $200. This way I also get a sense of my spending in terms of how often I have to transfer.

If I need to pay for more, I just transfer before paying. Takes me about 2 seconds with an SMS or through the bank app.