Generally there are no better protections on credit vs visa/mastercard debit cards. Charges in both cases can be disputed if an invalid charge occurs
If damage occurs and it is not disputed, then what is the difference ?

There are plenty that do not want to use credit and debit cards issued with visa/mastercard are just as good functionally - they just don't have a line of credit

Where I see a benefit is with a corporate card where the liability is with the company for use when travelling on business - that way the company is paying and has the liability