Evidently, your reading comprehension is as good as your powers of observation. Pretty poor.
Europe has very few public toilets relative to other countries. Where toilets are available they would rather inconvenience you with fumbling for coins rather than letting you get on with your business.
Europe has even fewer public drinking fountains. Europe can be a drinking water desert. Let's not bring up the apparently offensive concept of ordering tap water at a restaurant - never fails to garner dirty looks. In Europe you often have no choice but to go the bottled water route.
Youth hostels and high end $200/night hotels and B&Bs. In any case, youth hostels in other countries don't share this stinginess - warm water is either there (and free) or it isn't.
Wake up and look around you.