While i agree, not sure about 1) Germans use debit cards everywhere, it's just that credit cards are used very rarely but also accepted very rarely which is pro

While i agree, not sure about 1) Germans use debit cards everywhere, it's just that credit cards are used very rarely but also accepted very rarely which is probably due to some fees that make it not worthwhile, while in the US you cna pay für $3 coffee with a credit card.