From an outside perspective, American system looks more like "right" and "extreme-right", disguised as choice over small-ish policies.
Sadly that's an extreme them-or-us system that's being slowly exported pretty much everywhere else.
Some online banks (don't know how widespread this is) allow you to create "virtual card" that expire either after 1 purchase or at a specific date (and with a set maximum of budget). I use them for every single purchase I make online, it's inconvenient but at least i've never entered my real card info anywhere.
I used to have discipline. Don't know what happened.