Your link counts all types of debt including mortgages which is the reason why Luxembourg comes up first.

The argument was, at least how I read it, that europe doesn't rely on credit that much. My argument is: we do. We just don't have 20 credit cards at a 45k debt level. But we have enough other stuff.

Sure, but mortgages are backed by an asset whereas credit card debt isn't.

Just because you have to use Klarna doesn't mean you pay later as you can just select your debit card or even bank account directly.

... I know. But what do you think I meant when I said "Klarna" in the context of this discussion?