No surprise
That Spain has the most users but it's a status thing here, stand at the till whip out a large expensive looking phablet and wave it at the machine like a magician. Most people I know hear don't know you can put AV on a phone and never look at the permissions an app is requesting before installing.
Sooner rather than later a lot of people will get burned.
Me? Cash or debit, also have velcro on the outside of my wallet, in the summer Spain is pick pocket heaven (if you're a pick pocket)