> Border crossings inside 10 minutes. International rings.

Or normal people living in Europe in border-adjacent areas.

Also, I guess you don't include card-not-present transactions in this, but you incorrectly assume that every merchant has their location set correctly. And that every sale happens in a brick-and-mortar establishment, not from travelling salespeople or whatever. And that all transactions happen online.

Even US -> CA was maybe 10 min when I crossed a few weeks ago...