No your observation is correct. Japanese people have many credit cards but also pay a lot in cash, and small restaurants for example do not accept cards. So th

No your observation is correct. Japanese people have many credit cards but also pay a lot in cash, and small restaurants for example do not accept cards. So they are now in the absurd situation where they do not have enough credit card numbers, but still many shops do not accept card payment. (I edited my previous comment for realism: it's more 5 cards/person than 15)