I agree. Europe is estimated to be roughly 10 years ahead of America in terms of their methods of payments, whereas the U.S. has just recently adopted chip cards. Ages of consent in Europe are currently between 14-18, and we are seeing Democrats pushing for 16 years of age as the legal age in the U.S. I could go on, but I believe you are right. The U.S. is simply a few years behind “progression,” but on the same path.