I’ll chime in to say that I’m an Australian and on the flipside I don’t know anyone with an actual credit card (not debit). So yeah you’re also making a sweeping generalisation.

Also none of my debit cards work around the steam requirements, it depends on which bank you’re with.

If you have trouble sleeping but don’t have an obvious medical causes for it, I highly recommend simply abstaining from caffeine entirely (sub for decaf) and try reading for an hour before bed, no phone usage. It’s miraculous how much of a difference it makes. I still sometimes have caffeine as a treat on the weekends, but only before noon.