The workaround here is that debit cards are actually credit cards.

All debit cards are issued as either Visa or MasterCard and when you go to purchase something, you skip pin entry and run it as credit and Visa/Master Card instantaneously issues you a line of credit equal to what you spent then pays off that credit from your bank. Thereby putting your transaction under the protection of a credit transaction.

I believe banks eat a small fee for this.