[mpweiher]

> A card fraud you can contest

In Germany, that's very difficult, the courts generally assume that the chip+PIN system is safe.

And of course, you don't actually think that you are not paying for card fraud, do you? You just pay for it in the fees the card companies charge.

[chrisseaton]

But if the fees are the same for people who pay with cash and people who pay with card, which they are, then you’re better off using a card.

[mpweiher]

Well, that's the prisoner's dilemma "defect" strategy. Works great one time round. Not so well in repeat games, as of course it means everyone pays more all the time.

https://www.numbeo.com/cost-of-living/compare_countries_resu...