You're completely missing the point I'm making.

Other countries aren't exempt, but other countries also don't write case studies on how everyone else should operate.

It's absolutely baffling to me that Germany touts a more secure messenger, but can't get card payments working seamlessly / consistently. To your point, I was visiting there earlier this year & card payments were completely offline for 2 - 3 days.

But sure, roll out a more secure messenger.