In Germany you essentialy have the choice between a debit card or a Girocard, why anyone would choose a Girocard instead of a debit card is a real headscratcher for me. So many disadvantages for only a few advantages. Especially if you consider that many banks without a debit card also have fees just for having an existing account and often times you can‘t even get money from every atm without fees. So while i underdzanf your points i don‘t think taking a credit card is US centric at all, it is just the superior card.
In Germany you essentialy have the choice between a debit card or a Girocard, why anyone would choose a Girocard instead of a debit card is a real headscratcher for me. So many disadvantages for only a few advantages. Especially if you consider that many banks without a debit card also have fees just for having an existing account and often times you can‘t even get money from every atm without fees. So while i underdzanf your points i don‘t think taking a credit card is US centric at all, it is just the superior card.