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Re:Your Mother’s Maiden Name Is Not a Secret by pluma on Saturday December 30, 2017 @12:35PM (#16036254)
In Germany you just have a bank account. You can get one for free if you have a sufficient monthly income or are a student under a certain age. You can also get one fairly cheap otherwise.

I'd say more people have a bank account than an Internet connection. OTOH credit cards are relatively rare.

Re:Your Mother’s Maiden Name Is Not a Secret by Amezarak on Saturday December 30, 2017 @12:43PM (#16036292)
Bank accounts are free here too (or at least most of them are), but for various reasons some people choose not to get them.

https://en.wikipedia.org/wiki/Unbanked