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> debit cards and cash are way more common

The restriction was on both credit and debit cards (people refer to both as "credit cards" in many European countries).

>95% of all locals and non-US visitors automatically pay with cash

Hardly. Most tollbooth lanes in Europe only take plastic, self-service checkout lanes at supermarkets only take plastic. It is completely normal to pay for anything worth more than a few euros with a card.



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