I often notice this expressed by Americans. I can't remember last time I gave my debit card (why would anyone need a credit card anyway) to any party other than

I often notice this expressed by Americans. I can't remember last time I gave my debit card (why would anyone need a credit card anyway) to any party other than big companies like PayPal. Locally I pay with Blik (I have to confirm exact amount transferred on my phone and the seller doesn't have an option to extract/ask for more). If a company really wants a card I create a virtual, load it up with a chosen small amount and get rid of it when I no longer need it. We also have instant bank transfers if needed (normal ones take several hours). Even with debit cards you have 3D secure these days which requires confirmation on your phone. Just because USA is behind in banking department and even credit/debit card thing doesn't mean those problems are especially hard to solve. The rest of the world is already partially there and with more fintechs putting pressure on banks things will improve even more.