Haha it was a literal no true Scotsman dismissal. That's funny. That being said, I'd really love to hear the opinion of a smaller town Scots(wo)man who has traveled/lived other places on their opinion of card/cash "culture" vs other first world countries if they are any around here.
The reason I went to the place I went was because the primary purpose of my trip was to visit someone.
I don't think anyone's offended. But I think it's acceptable to say "people in first world countries" when one actually just means "the overwhelming majority of people in first world countries".