> I'll update my opinion when international debit and credit cards are universally accepted rather than needing bank cards. That's coming now that credit cards

> I'll update my opinion when international debit and credit cards are universally accepted rather than needing bank cards. That's coming now that credit cards aren't fleecing merchants anymore: they just weren't competitive against bank cards (or, gasp!, cash) until ~10 years ago with their ~3% fees. That dropped to ~1.5% 5 years ago due to EU regulations and is now limited to 0.3%, which is, surprise surprise, the fee we had for bank cards. So it's not due to "backwards Germans", or due to the "free market", it's due to regulations that credit cards are now making inroads, because their operators were forced to make a competitive offer.