In the U.S. credit cards would still be superior to direct transfer services like they have in Europe. If someone gets my Card and Pin I don’t get back that mo

In the U.S. credit cards would still be superior to direct transfer services like they have in Europe. If someone gets my Card and Pin I don’t get back that money; at least not easily. But if someone steals my credit card I get that money back immediately. I travel quite a bit so I am aware that credit cards don’t work like that everywhere. But, for US issued credit cards the fraud protection alone make them hard to beat. Not great for the merchant though.