Consider another possibility: people in the US are more afraid of losing their jobs than people in Europe.
People on the other side of the order are often one missed or shorted paycheck away from a cascade of late fees, reactivation fees, and overdraft fees with no way out. Even filing for bankruptcy costs time, energy, and money.
I doubt people in places with functional social safety nets worry about what will happen if they have one bad day where they can't fake a chipper attitude.
People on the other side of the order are often one missed or shorted paycheck away from a cascade of late fees, reactivation fees, and overdraft fees with no way out. Even filing for bankruptcy costs time, energy, and money.
I doubt people in places with functional social safety nets worry about what will happen if they have one bad day where they can't fake a chipper attitude.