They have credit cards over there too you know :-) Many people object to being in debt in principle. Yes, yes, I know you can pay off the balance every month,

They have credit cards over there too you know :-) Many people object to being in debt in principle. Yes, yes, I know you can pay off the balance every month, but clearly most people don't, otherwise credit cards would not be in business. Also, for small-time ebay sellers and the like, the overhead in accepting credit cards is non-trivial.