Yes, that's what I was referring to. I use my debit card for online purchases, but I am selective about doing this, since I like to avoid fraud. I have had an experience with fraud before which was more time consuming than what you described (with a significant amount of paperwork), but did result in the bank returning the money to me. As a result of the unpleasantness of this experience, I tend to be reluctant to buy from sites I don't clearly recognize as legitimate.

This is not a strictly online concern for me, though. I also make much fewer debit card purchases at stores nowadays and don't use it at all at restaurants.

I would probably feel similar even if I had a credit card instead since I found the first experience so unpleasant.