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Debit cards took a lot longer to take off in the USA than in Europe. They're picking up now, though.

And Europeans took a lot longer to move from cash to electronic payments, IMO. The US has been using credit for everything for as long as I can remember.

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I never use a debit card because of their relative lack of fraud protection. Even where fraud protection policies are similar, the money is still missing from your cash account during a dispute. Things may have changed, but this was the case when my habit was formed, and now I just don't use them at all, except for cash from ATMs.

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