Someone else also mentioned this, but credit cards would protect you. If you can force yourself to pay off credit cards each month, they should cost you nothing and allow you to borrow the money for a month for free. Any fraudulent charges are not your responsibility....

Another possible strategy is to ask your bank to cancel the debit card (and/or unlink it from your account). Then have them issue another one for your use. That may prevent the fraud charges from going through at all.