I am a US citizen living in the UK and I second this. US financial services are in the dark ages because there is not enough competition and companies make profits with what they do now. I was initially sceptical of NFC contactless payments to begin with, but over time I have found it to be secure and convenient in the UK (and Apple Pay online is good as well). Mind you, I still carry cash. You never know what might disrupt the internet. For instance, the Shetland Islands had their undersea internet cable cut, so no transactions could be made by plastic at all. I am sure Russia had nothing to do with it. Just a fishing accident.Nobody has been taking potshots at the American people, just the fact payments are so old fashioned. People like you have gotten personal and been called out repeatedly for it. You’ve even claimed people are ‘jealous’ and now another has mentioned some old war that nobody gives a toss about. All because some of us were surprised contactless payments aren’t as popular as in the rest of the developed World. What an utterly absurd reaction.