The idea of a Credit Card is the perfect example of how much the US loves adding completely unnecessary steps to a process.
Debit card: pay a bill by transferring money from your bank account to the person’s account - 1 step
Credit card: pay a bill by using credit from a company, waiting from them to actually transfer the money, transferring money from your bank account, waiting for that to actually proceed otherwise you have no more “credit” in your credit card - 4 steps.
Also, never go below your available credit otherwise you’ll have to pay horrible interest!
Other examples: American taxes, American healthcare, American pension, American voting system,…
