It’s the same, but people tend to pay large bills using bank accounts (in the US, landlords, mortgage issuers, taxes for government, insurance, utilities, tuition, etc typically don’t accept credit cards for payment.)
So you don’t want to give someone access to your bank account unless you absolutely have to, since they can “authorize” or “hold” funds in your account which can cause other expenses to not get paid.
Somewhat related, I'm guessing from this that card usage limits are not common in US? Here almost(?) all debit/credit cards have daily limits that you can change via web/app/call, so there can be no arbitrarily sized holds.
There probably are, but they apply to the total of all transactions, so it wouldn’t seem useful against protecting from a single merchant using up all of your funds/credit.
So you don’t want to give someone access to your bank account unless you absolutely have to, since they can “authorize” or “hold” funds in your account which can cause other expenses to not get paid.