But also to point out usage is in massive decline - most people pay bills online, and purchase either with debit/credit or cash in person. But yes, we never re

But also to point out usage is in massive decline - most people pay bills online, and purchase either with debit/credit or cash in person. But yes, we never really got on the 'pay via bank' train like was done in much of europe in the postwar period, this has impact of how things transitioned to digital payments.. Conversely, we have much more established credit issuing infrastructure, it is not uncommon for even teenagers to have a credit card (not just debit)..