Still need PayPal for some transactions that require a credit card. In the Netherlands, credit cards aren’t as commonplace as in the USA since we only pay with money we actually have.
I’m not saying I discredit your argument, I’m just angry at companies requiring either a credit card or PayPal (or even worse, those buy now pay later deals).
My wife has an ING credit card pretty much because you need one if you wanna rent a car abroad