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The big European countries still have their National Systems that work very well. If the US would nuke Visa/MC in Germany, payments inside Germany would still work very well via Girocard (except for some people that bank with cheapskate neobanks)

Wero is coming and it should work across Europe

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In Belgium, Maestro card was halted and my bank switched to MasterCard. Then I paid on some USA website and they managed to pull money from my account based on only the card number, without using the bank website's chip+pin. I was flabberghasted on how we silently managed to get such a huge setback in both security and national independence. I stopped payments using non-EU entities.

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