Well from my perspective Germany is incredibly backwards with payment infrastructure (apparently has got somewhat better during covid). I've been many many times and so many places do not accept any debit/credit card, only cash. It is incredibly annoying especially at restaurants and you want to pay for a group.

Youre right about the rest but in the US card acceptance is very very high (same in the UK, Nordics, etc). Germany definitely is not a shining light of electronic payments imo.