Is it? Can’t say I’ve really noticed it.

In fact just today I read this article in my EU country that sounds almost identical to what this comment describes:

https://yle.fi/a/74-20209419

“ If, for example, the payment was made by credit card and the product has not been delivered, the consumer can contact their credit card company directly and request a refund.

Credit card firms can usually refund the money quickly, Beurling-Pomoell noted, whereas consumers who paid by debit card must try to claim their money back from the bankruptcy estate.

"Unfortunately, [reclaiming money from a bankruptcy estate] is usually a very long and difficult process. Consumers are generally in a relatively weak position when a company goes bankrupt," he said.

Beurling-Pomoell added that consumers should always consider using a credit card when purchasing a product that they do not immediately receive.”