Originally Posted by Courmisch

I am not sure what that is supposed to mean. EU has very strong credit and debit card regulations compared to most of the world, especially the USA (where card issuers seem to be too effective at lobbying against regulations), and that is not only regarding security features.

It looks like you rather want a deregulated system like the US has, and that does benefit some people, notably premium card holders if they make good use of their card features. But it is the opposite of fair for merchants and customers alike, in practice. First and foremost, it makes more monies for card issuers.