there is a fairly big global gap in the payment provider market
Yes, and there are reasons why it exists.
But given that you are gainfully employed in Austria, I don't see why do you have payment issues.
Because I use a Maestro card or cash. Visa / Mastercard simply does not fit into my mindset: they are credit cards, and as long as I am gainfully employed, why would I need credit? Credit is for the times when you cannot afford something.
Not having credit cards is a classic commitment device. Getting into a mindset of buying everything on credit then paying it off at the monthly payday is a bit of a slippery slope (no fallacy: there is an actual mechanism of slipping here: basic human desires), only one step away from buying everything on credit and then ...
If it's worth saying, but not worth its own post (even in Discussion), then it goes here.
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