That law sounds good, but does Finland have the same issue as the US with regard to fraud protection? In case you're not familiar, US debit cards are tied to a

That law sounds good, but does Finland have the same issue as the US with regard to fraud protection? In case you're not familiar, US debit cards are tied to a bank account, but weirdly can be used without a PIN if they are run as a credit card anywhere that takes MC/Visa/whatever-the-issuer-is. However, the charge is deducted immediately from your account as would a debit charge. This means if there's fraud, even if you are refunded eventually you will be without access to money for some period of time. The easy fix is to withdraw some cash for day to day stuff from a trusted bank ATM rather than constantly swipe your card. Even if the government provides you a no frills bank account, the fraud risk would make many prefer to use their card as little as possible in the USA.