Yeah, credit card companies are very interested in preventing theft because they want to make sure that they get paid for every single charge, and if a customer loses their card and someone starts charging stuff up, the customer that had the card stolen does not want to pay for those goods, putting the credit card company in a tough spot because they still have to pay the stores for the goods the thief purchased on the stolen card.
Where as with a bank, they are merely giving you a place to store your money, when someone charges on a stolen card, the money is taken right out of your account, and it really is not their issue. Mainly because nobody robbed the bank (which in turn could cause your funds to vanish), your access to the bank was stolen, and they have no way of knowing if you, or a thief were actually placing those charges. Now if someone hacked into the banks computers and stole account information, and then that information was used illegally, then it would be the banks issue, not yours.
Now if say a 3rd party was hacked and stole your credit / debit card number. In the case of credit card numbers being stolen, it would be the 3rd parties job to inform the customer that their number was stolen, and then in turn the customer should report it to their credit card company. Any fraudulent charges would then be dealt with by the 3rd party and / or the credit card company. Of course you may have to pay some fees, depending on your card holder agreement. You did provide your number to a "trusted" 3rd party, so legally you would could be deemed partially responsible because you willingly provided your information to the 3rd party that was hacked.
In the case of a debit card, it would once again not be the banks direct issue. It would be up to you to come to an agreement with the 3rd party to what extent of the charges (if any) they will cover.