You can but while you wait your money is gone, you can't use it. With a credit card it's the bank's money that is missing in the case of fraud or charge back.
Debit issuers are obliged to provisionally credit any disputed amount within at most 10 business days after the cardholder reporting a problem.
That's of course still worse than not being out the money on a credit card, but it's not the dealbreaker many make it out to be, and could easily be amended by regulators if there was any interest in doing anything about the drag on the economy that are inflated card payment fees.
