It can be hard to maintain a positive outlook on humanity when it happens to one of your children, especially when you know how hard they have worked for their money. Debit cards do not have the same theft protection as charge cards . If someone takes your card, and uses it without your authorization, you are going to end up paying for some of it. Sometimes you do not even know the card is gone for several days. At the worst, you open up your bank statement and discover it.
Every bank is different.