> Maybe another difference is that some/many European countries people just don't not pay bills. That's the first time I ever heard of such thing, and I've liv

> Maybe another difference is that some/many European countries people just don't not pay bills. That's the first time I ever heard of such thing, and I've lived in a few European countries. Some European countries even standardized service payments on direct debit, which worst case scenario leaves a bank holding the bag for the debt.