processing fees are typically paid by the vendor who includes it in prices everyone pays regardless of credit card. Depends a bit on the fees, most cc also do charge something to the user for paying in foreign currencies. Cc are more expensive on the vendor especially when using contactless payment.

Different here: by law no one who disputes a charge within 60 days is obligated to pay it until the dispute is resolved (within 90 days). It’s usually charged back immediately. Due to weak security, authorization is easier to dispute, and they won’t simply assume it. Even in the US they don’t do this in half the scenario’s

Yeah you are right, credit cards in the US are part of the consumerism system and are designed to get you people in as much debt as possible. Which is part of the reason why I am so against credit cards and keep complaining about the dang things. Companies in the US also force me to use a credit card (and to not have clear prices because you exclude the tax which is illegal when selling to the EU)