I think in many Europe countries the Maestro System is used widely.
So no need for debit cards.
And debit cards costed much more, (monthly to anual fee) in the beginning.
If you can pay all you need without a card system that cost money on top..
Well the answer may be easy..
Kind regards,
Chromos
I live in europe
At least here in Czech Republic, people can easily get credit ot debit card without any extra cost.
Germany is only EU country that I know of where so many people dont have debit/credit card.