[raverbashing]

Well, the part of the population that cares about information security is very well informed

But the rest seems to live in a luddite world. If you had watched TV more you would have seen that there are a lot of ads for: web games, PayPal and other websites trying to drag the average consumer into, you know, using the stuff.

Paying with a Debit Card is rare in Berlin, Credit Cards are barely non-existent (but they have some other ways of paying stuff online and on stores)

Security of bank accounts is usually done through a list of one-use code numbers (still, they - and several other countries - have payee initiated money transfers between accounts/banks, something that is rare in US/Canada)