There is also here clearly a mindset difference between USA and EU. Let’s all agree on that?
We don’t have, most of, your US problems with banks and payments. And you don’t trust how we trust government and our institutions and you feel violated by just the thought of many of the things we take for granted and appreciate.
I’m not saying which European country I’m from, but everyone can basically find my mobile phone number(s) online, my address, email, who else lives at my address, what my approximate yearly salary is, what my net worth is, what properties I own, what my house looks like, what cars I own, where I work, who I’m married to, what political positions or affiliations I might have, at what boards I might sit in, which stocks I own….and so forth.
Trust only works if its complete and if there isn’t complete trust, anything can be taken advantage of.
I’m not saying our way is the perfect way…but I rather have our negatives with how things are done.