Uk law gives significantly more protection on credit card purchases than debit card. As it’s treated as a finance product so the lender is has responsibilities.
USA is currently trying to bully Brazil who introduced their own PIX system.
I think USA has been behind the visa and Mastercard dominance as it gives them nearly every financial transaction globally and their intelligence has that data in realtime.
Not to mention the tax take and ensuring max use of US dollar as reserve currency
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