Are you talking about the same thing?

Sure, in Europe people will subscribe to a credit to buy a car or materials to improve their home.

But buying your groceries or lunch with a credit card is quite a rare exception.

It's just now how it works in most of Europe. I've lived in four countries, had accounts with lots of banks, paid for countless plane tickets and booking reservations, and only had a credit card once when I was issued one at work. I don't expect I'd ever get a personal one, and can't think of anyone that regularly uses one.

The only time I even considered it was to build a credit score in the UK to eventually apply for a mortgage, but even then it's not really necessary.

Those 'protections' have nothing to do with the purchase being credit or debit. They're just artificial incentives from the banks for you to pile on the debt. We frown on that behaviour here in the EU so it doesn't really happen. The same with the cashbacks american banks offer on credit cards, they're just paid by the extortionate card processing fees that vendors pay. So essentially, you are paying for your own cashbacks because the vendors just include it in the price in the end (and usually for everyone, not just those paying by credit card)

Besides, if you want insurance just get a 30€ per year rolling package.

In Europe you typically have travel insurance on debit cards as well.

How much is it?

You could draw all of it and put in a a 2x leveraged SP500 ETF :-D for 3 month and then return the money :-D

Your link counts all types of debt including mortgages which is the reason why Luxembourg comes up first.

Just because you have to use Klarna doesn't mean you pay later as you can just select your debit card or even bank account directly.