Nah, that's just because in the US people usually buy with credit while in Europe is mostly debt.
If you buy with credit you are using the bank's money, with debt your own and you have less protections in the second case.
Trust me, i have meet my fair share of adults who don't own a credit card and if they want to buy something online just charge a prepaid card with the needed amount.
American express is not accepted in a lot of places because it is only credit and the processing fees are double that of debit cards.
Visa and mastercard debit cards are accepted just because you can't only accept debit cards, a lot of vendors fought for the ability to do so.
If you buy with credit you are using the bank's money, with debt your own and you have less protections in the second case.
Trust me, i have meet my fair share of adults who don't own a credit card and if they want to buy something online just charge a prepaid card with the needed amount.
American express is not accepted in a lot of places because it is only credit and the processing fees are double that of debit cards.
Visa and mastercard debit cards are accepted just because you can't only accept debit cards, a lot of vendors fought for the ability to do so.