> That's not only a States thing. Direct debit works similarly in Europe. Maybe it still works that way in some parts of Europe, but in others it has been chan

> That's not only a States thing. Direct debit works similarly in Europe. Maybe it still works that way in some parts of Europe, but in others it has been changed to work differently, or doesn't exist anymore and has been replaced by other systems, depending on how you want to put it.