You call it whims, but I don't know of any bank that doesn't offer those protections. Generally the terms are that you have to report it w/i 30 or 60 days. Maybe some of the smaller credit unions?

but like the other poster, I've had people try to charge me for things that weren't mine and I've never had the problems people seem to imagine exist with debit cards.

At this point I've concluded it's a marketing scheme by the CC companies that has convinced large swathes of society that debit cards are dangerous.

Not only that, but I would argue the false sense of security of CC's makes it so people are less safe in their habits.