I have a debit card. What I don't have is a debit card that can be processed through the credit card payment system.

I have to lose the card and the PIN, or at the very least the card number and the PIN to someone with a card writer. It's a calculated risk, since I only use it at the grocery store to get cash back, or as an ATM card. Every other time (including grocery store trips without doing cash back), it's the credit card instead.