[jjav]

> In 2014 a card that doesn't have a chip might as well be broken.

2014. I don't remember with 100% confidence, but I'm pretty sure none of my (many) credit cards had a chip back in 2014.

Stores here didn't even start installing chip reader card stations until ~2018 or so.

[lmm]

OK sure, but in 2014 in Norway a card without a chip might as well be broken. If I turned up to a restaurant where you are, asked if I could pay by card, ordered, and then busted out my UnionPay card and demanded they accept that, would you say that was reasonable?