And from my experience New Zealand was a decade ahead of the US for a long time. Growing up everywhere accepted card payments. I had a bank card when I was about 10 and that's how I spent my pocket money. Over here in Germany some places that do accept card only accept EC cards, which my N26 MasterCard isn't. Not having the right payment method to pay the people who installed the kitchen in the apartment I was renting was a very foreign situation.