Also, although you are right that an agreement tompay is with the seller, itbis negotiated via the bank who (with my credit record) guarantee good faith of the seller. I’ve disputed a few charges in my time with this bank, always resolved in my favor with a phone call to a toll-free number. I’ve executed three “charge backs” in my credit life too. That’s where the vendor does something sneaky and takes the cash, I argue with them for a bit and then ask the credit card company to get a refund for me. A single phone call, a discussion to demonstrate I’ve exhausted all other avenues, and a credit.

Just did one last week. I ordered a tool case before xmas. Never arrived. Each month I checked and the order was marked “open”. I sent three emails, one a month asking for an update, and pointing out how many emails I had previously sent. Instead of sending a fourth I made a call to the CC company and bang, that was the business. I got an email this week from the cheeky buggers I placed the order with, cancelling the order and telling me how sorry they were ... that I had cancelled the order. Not word one about how I'd made them an interest free loan for four months.

Hardly any cash any more - contactless payment is encouraged now, especially since Covid-19 made cash so filthy (I was a cash carrier by habit - always preferred to feel real money before I spent it). You don't even have to put your PIN in for anything under 50 euros. But the automatic egg-and-potato shop machine near the windy miller's windmill (the BEST eggs - you can wave to the chickens in the orchard as you drive past) still takes only cash. If I need small change (for example to leave the right amount of cash for my cleaner) I feed my bank notes from the ATM into the egg machine and get eggs and coins in exchange.
Don't ask me about ApplePay - that's beyond my knowledge. Probably more common in the cities but I don't go there any more.
And as I think I've said, you can hire a car with a credit card - I would imagine. Never tried it here.

But that won't put a lien on future responsibilities like a trashed hotel room or a dinged-up car. That's why Avis etc want to run a card here. And I wouldn't be caught dead using a phone to pull my cash out of my bank account. Two whole levels of potential screwery in one transaction - that could be the bank's problem instead. Matbe I'm super-sensitized from reading all the uckfups in the trade papers, but phone payments against a bank account? Madness.

According to This web site "Hiring a car in Netherlands is a must in order to get around. Debit card car rental can be tricky to find as it’s rare that you come across a company that will let you hire a car without a credit card in Holland. "

Which suggests that Holland is like anywhere else in that the norm is you need a credit card to hire a car (but that this company might let you do so with a debit card; restrictions apply). I knew Steve Martin couldn't be that wrong.