Where I’m from almost no one under 25 gets a credit card, because most non-online/prepaid/crypto credit cards have an age or income limit.

Everyone over the age of 12 has a debit card here. I think it promotes healthy spending knowing you have a set limit and immediately see the amount of money change. Overdrafts are also not enabled by default and require an extra package.

Venmo/Cashapp etc are also uncommon here.