"I think a major differentiator is that in the EU credit cards are a lot less common and even debit cards aren't used for most transactions (e.g. even at the su

"I think a major differentiator is that in the EU credit cards are a lot less common and even debit cards aren't used for most transactions (e.g. even at the supermarket most people seem to pay cash)." Absolutely not true for every European county.