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> Germany is infamously almost cash-only.

Let's not exaggerate. While I am often enough exasperated at how often certain restaurants or bars will still only accept cash (or sometimes EC card), I'm still able to do about 90% of my transactions by card.

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In the US, cash-only businesses usually attract auditors from the IRS (or did, until they gutted the agency).

Interesting! As a tourist, almost all my transactions had to be cash: but ofc a tourist and a resident don't have the same spending patterns (mostly bars and restaurant for me)

Supermarkets and most stores where you'd buy everyday stuff (clothes, electronics, books, ...), especially if they're chains, will take card. It's really mostly independently owned kiosks, bars and restaurants that are holdouts, and even there the card acceptance rate is increasing.

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