I've always had fraudulent debit charges automatically reverted. Typically the bank's fraud detection disables the card and you clear up the matter on the phone. Or they call you to verify if a suspicious charge outside your profile was actually yours. The banks aren't required to do this but they can choose to provide this level of service.
I thought the main selling point was that they work almost anywhere. Whereas my EFTPOS card only works in Australia, my Girocard only works in Germany and my Pix account only works in Brazil.
