> with a debit card you don't get that spending power back during the process.
At least for consumer debit cards, that's not the case. Regulation E requires provisional credits (until the investigation and/or chargeback process is complete) in essentially all instances of fraud.
> And if it's international dispute raised after 14 days you might get no where.
Where do you get that number from?
At least in the US, federal law limits liability for lost and stolen cards to $50 (when reported within two business days) or $500 (within 60 days after receiving your statement). For non-lost/stolen cards, which covers all online fraud (due to stolen card numbers, compromised merchants etc.), there is no such time limit, as far as I know.
And these are just the legal caps on consumer liability: Most issuers go far above and beyond that, and extend zero liability for effectively all scenarios, just like for credit cards.
You know I've no idea where I got 14 days from. But I'm not US based and the last time I disputed something was in the EU at the start of the pandemic.
And if it's international dispute raised after 14 days you might get no where.