The point is, that there are so many different standards that allow you to pay with one thing everywhere. And I personally need to pay a fee for a credit card, which is the usual case in the EU. And there are not many uses cases or advantages I have for a credit card over a free debit card. The thing is just, that I want to point out in the article, that the systems we have all want to solve this but always fail. Its 2020, not 1990, We have so much tech on our hands and banks still fail to implement it.