This is very much aligned with the direct cost and services provided. Attending German universities is virtually free, and under certain conditions, the country will give you very cheap loans to pay for your living expenses. My spouse had a single digit number of thousands of Euros to pay back after graduating.
PhD students are often underpaid employees and are treated that way (for better or worse) instead of being considered as and treated like students. This doesn't imply one is preferable to another, just that it is a continuation of treating them with and expecting a higher degree of maturity and independence.
An upshot for me was that when I applied to my first industry job, the time as a PhD student was treated as work experience.
So yeah, I think you're spot on in that many folks from continental Europe would find the amenities bewildering. :)
If you miss it the first round then there is a massive incentive to transfer or find an easier program, otherwise you face the prospect of being forced to go abroad to complete a degree.
https://www.moneysavingexpert.com/students/student-loans-tui...
I'm not sure if they account for inflation or have any fixed interest on the loans. 30 years without any would be pretty crazy.
It's basically inflation + 3% if you're earning more than £45k/yr+.
For example, tuition fees at Scottish universities are "free" (i.e. paid for by the Scottish Government) for Scottish residents and people from other EU countries (but not the rest of the UK).
EDIT:
Doh! Just checked the cost of undergrad in some of those nations.
Umm, Yeah.
I guess if I were a German or French guy, I'd likely find tuition levels in the US a bit outrageous.