Credit card rewards programs are "eh", but for me I'd be worried about being forced into a low-trust system like Europe has. In the states, I don't have to worry, at all, about someone using my credit card for nefarious purposes. Getting any such fraudulent activity purged from my card is as easy as flagging it in my banking app.

This leads to a number of positive outcomes, such as not worrying at all about sketchy or online purchases, and "American style" payment at restaurants (where we just toss our card on the receipt, and eventually it gets picked up, processed, and returned without further interruption).