The big difference with charge and credit cards though is you aren't using your own money to make the purchase you are using the bank's money. If the charge ends up being fraudulent not a penny will be paid for that amount whilst the charge is flagged as fraudulent. OTOH if it's a debit card, the purchaser has your cash until the bank successfully disputes the charge (if in fact it is successful) and you have to deal with the hardship of lost money.

In the past year I've had the extremely unfortunate experience of having 3 credit cards compromised. I've done everything I could to keep my cards protected including using Apple Pay but in this era of card skimmers appearing everywhere and stolen card data being sold on the black market for pennies on the dollar it's becoming increasingly difficult. In one of the cases, I didn't realize it was happening right away and just received a package from AmEx one day with a new card and a note saying the card was compromised. In the other two instances, my card's fraud notification warned me of a potential issue and I called the banks up to get everything sorted. All in all I probably spent about an hour or so on these 3 separate issues whereas if it were debit it would've been a huge headache.

You may want to look into getting a Charge card like an AmEx Green card since the require you to pay off the balance in full. Alternatively a secured credit card with a low limit (i.e. $1000) may be useful. If you're carrying a balance every month you are doing something wrong (i.e. living beyond your means) and you need to think carefully about how you spend your money. Credit cards don't cause debt, it's the people who use them that ultimately incur the debt. I know many people (myself included) who have dozens of credit cards yet always pay their bills off in time.

-James