When chip and pin was first rolled out, Europeans were shocked by the low security of swipe cards in the US. The reason that wasn’t an issue for Americans was (and still is) that credit cards have excellent fraud protections.
If someone steals my credit card, it is the bank’s problem, not mine.
The risk of paying by debit card on a regular basis is unfathomable to me, even with fancy tech to try to make it secure.
Your comment on the risk of paying with debit cards surprised me. I've never considered it a risk at all. It made me realize that perhaps here (in the Netherlands) we have consumer protection systems in place, in addition to the payment systems, that prevent any issues.
Just like when people started losing their ability to navigate without a GPS/Maps app, you will lose your ability to write solid code, solve problems, hell maybe even read well.
I want my brain to be strong in old age, and I actually love to write code unlike 99% in software apparently (like why did you people even start doing this career.. makes no sense to me).
I'm going to keep writing the code myself! Stop paying Billionaires for their thinking machines, its not going to work out well for you.