1. there is less reliance on credit for day to day spending.
  2. banks are liable, so they're more careful. I don't get offers by mail for credit cards, 
     and the card I do have has stricter limits.
  3. a national ID system
  4. specifically for real estate, separate regulation exists. 
     You cant buy or sell real estate nor take out a mortgage without going through a notary 
     (heavily protected profession), who ensure that the real estate and the loan to pay for it remain linked.