The prevalence of credit cards has baffled me for decades now. I admit I have one, but the only thing I need it for is to buy things from webshops that don't cater to the Dutch market. Every webshop that's vaguely aware of the Dutch market supports iDeal, which is specifically designed to handle internet payment and doesn't involve sharing any sensitive information with merchants or other unknown parties; my bank handles authorization of the payment, and I tell my bank to authorize the payment.

I admit the ability to reverse a credit card payment is nice, but that mostly means that it's also a risky form of payment to accept for the merchant. They might send the goods and still have the customer challenge the transaction. And of course you still pay for this; credit card transactions are relatively expensive.