[Many Germans don’t even have credit cards.]
What do they do? Debit? Pre-paid? (besides phone-pay, etc.)
??
I'm not sure how they do recurring bills, my guess is automatic bank transfer.
We have German relatives, and when they visited a few years ago, they had apply for a credit card a few months before coming just so they could rent a car. When we visited there last year, my debit card was accepted, but slowed them down. At restaurants, they would return with a portable scanner because they won't take the card away from the customer. That part was a little refreshing. Not sure of the significance, but in brief conversations I've had about it, the Germans seem very reluctant to give up cash.