[Keeeeeeeks]

I was going to guess that there are lower fraud rates in the EU compared to the US; based on what my former partner said, their company reports all EU fraud, but only fraud in the US over 2k USD. In addition to that, people in the US treat (abuse) consumer protections like a "get a free purchase/built-in scam protection", and try buying iphones for $260 on p2p apps from a complete stranger.

There could be something else there, though.