I do not know if we are talking about the same thing. But I configured my debit card not to be able overdraw my bank account and I make sure that there is always not too much money in it.
(Edit: I have read the linked article. The debit card system is somewhat different in Germany, where debit cards are much more widespread that credit cards. In fact credit cards are still somewhat of a rarity while everyone seems to have a debit card.)
