The article referenced is about how the US system works and I was referring to that. And also, in the US it is very important for your wellbeing to have a good

The article referenced is about how the US system works and I was referring to that. And also, in the US it is very important for your wellbeing to have a good credit score and the only way to build that is to use credit cards. From a technical perspective you are right - it is a transaction, but from a dispute perspective it matters a whole lot, so it is actually more convenient for Americans to use a credit card with no second factor authentication than go through the hassle of being asked for a code or whatever second factor the bank decides to use.