Debit cards are a fast and easy way to pay. And they can feel "safer" than credit cards, because they don't allow you to rack up debt.But in the wrong place, a debit card can expose your checking account to fraud, lock up your cash for days, or leave you scrambling to fix a mess.Here are three places where using a debit card just isn't worth it -- and what to use instead.1. Gas stationsGas pumps are magnets for "skimmers" -- devices that thieves attach to card readers in order to steal your card info.If a c ...