Oh, you don't even have to go that far. Of all the people I know maybe 1 out of 10 has a credit card. The irony in regard to your post: Most of them got one because "it was needed for something online" at some point. This is in Germany.
Maybe your sample is really biased, but the actual credit card ownership rate in Germany in 2017 was 53% and growing YoY, so it's likely quite a bit higher by now.
> "You know, China, much of Africa ..."
Oh, you don't even have to go that far. Of all the people I know maybe 1 out of 10 has a credit card. The irony in regard to your post: Most of them got one because "it was needed for something online" at some point. This is in Germany.