Is it? I can't see living in Europe without an IBAN for instance -- and the card that comes with one. And that's not something the government is enforcing.
Same in the US, you can't not have a credit card because of the credit score system there. Use of a credit card is mandatory because you need it to financially "exist."
Same in the US, you can't not have a credit card because of the credit score system there. Use of a credit card is mandatory because you need it to financially "exist."