This is why I will never have a debit card - the banks here in NZ are really pushing them saying that you use your own money like its a good thing. The problem is most of the banks dont do it properly, so when you buy fuel or a pizza where they authorize first and then confirm the charge most of the banks actually end up putting a charge on the account for the authorization amount, then one for the purchase, then reverse the authorization amount, so if you go into OD they get to charge you for it.
Then there is the non reversal of authorizations which then leave you unable to use your money for 2 weeks or so, which they cant help you with.
I cant understand how people are so happy to be using their own money rather then someone elses for no cost, particually with the substantially broken credit card authentication (that is, none) and that people routinely hand over a piece of plastic with a 16 digit wide open way to get to their money whenever buying things...