1. If retailers raise there prices to make up for fees, credit cards don't actually benefit the customer. 2. A debit card has all the benefits you mention without the negatives.
i mean i get more cash back than the standard fee. I also never said it was a positive for every customer, obviously credit cards are making their money somewhere. I just said it was suboptimal not to use one if you can use it correctly.
Uhh no it doesn't. Debit cards also have transaction fees (admittedly lower). And are a lot riskier if you lose them. I keep my debit card locked 100% of the time and only unlock it right when I need to use it.