The third point in this article is what really gets me. The credit card culture in Canada and the US is just insane to me, coming from a European point of view. You can get by without credit cards in Europe, and most of my family only has one for traveling abroad. So sure, they can use their credit card if they really have to, but it’s not a good default, as many others won’t even have credit cards. (And within EU, traveling without one is still fine for the most part).