In my corner of the world, credit cards were for buying stuff on the internet and travelling outside the EU. Now the net has evelved enough to accept our normal means of payment. I always feel insecure when using a credit card.

As a US-ian I feel exactly that way when using a debit card.

A credit card, if misused, can run up your balance and then you dispute, and don't pay anything until it's resolved. A debit card, if misused, can drain your account and leave you penniless until it's resolved.

Pretty much all of the EU had Visa- and Mastercard-branded debit cards since the turn of the millennium, so one has been able to buy stuff from the net and travel abroad without use of a credit card for decades now.