I get that lots of folks like debit cards, but as one who has worked in the credit card industry and in fraud, I tell everyone that debit cards are for those who have no credit, bad credit or are unable to manage their finances. If you are not one of these or can change and not be one of these, then use a credit card. Charges on credit cards can be disputed, you can get a % back on purchases, frequent flyer miles, etc. You also get buyer protection on gold+ cards and any wrong charges don't touch your bank account. What if cashier wasn't paying attention and charged you $500 vs $50 dollars and you happen to have just $501 in your account. What would it be worth to you to not have to stand in line to get it fixed, get the NSF charges removed, talk to those yo wrote checks to and get their NSF fees waived etc etc etc. Ditch the debit card. Get a credit card. it helps build your credit which is like a number that tells companies have trustworthy you are. you will see it pays off in ways you can't always foresee. Smaller deposits for utilities, lower insurance rates, etc.
Netflix, as with most companies, wants to protect itself from faudsters. Its the reason who prepay for gas and tuition. The dvd they mail you is worth more than your whole month's subscription.