https://www.statista.com/statistics/1096803/credit-card-and-debit-card-number-in-germany/ https://www.statista.com/statistics/1096803/credit-card-and-... report

https://www.statista.com/statistics/1096803/credit-card-and-debit-card-number-in-germany/ https://www.statista.com/statistics/1096803/credit-card-and-... reports 38m credit cards, 121m debit cards. German population is 84m. So "most people don't have credit card" might be true but it's still a lot. I'd expect - without having data to back it up - the group using Github Sponsors (who know what Github is) have credit cards.