No, Europeans do pay insurance. It's part of the higher taxes - at least in my country and many neighboring. Everybody who pays taxes pay certain amount for health insurance as well. It goes to insurance company - commercial or state owned. It's not mandatory, but you better have insurance else you pay cash at doctor's. If you cannot pay because of certain reasons (kid, student, unemployed, sick, maternity leave) state pays for you.

World does not consist only of US, Canada and Mexico. There is couple more continents behind oceans.

And if I enter country with freshly formatted laptop? Like wiped completely clean. Will it be suspicious as well? Sure they may want to find something behind it. I do not wanna get my laptop being held for indefinite amount of time just because I bought it day ago and haven't had time to bring it up yet ...

Ummm ... my bank uses that for quite some time, I use internet banking since 1999.

My bank uses one-time PIN sent via SMS; you can pick also either RSA token, or challenge-response "calculator" bound to your card. Then you get static GRID card for interactive response. You get it free if you have internet banking enabled, just select what security means you want to use for logging in and verifying each transaction. Same if you have active phonebanking. (And I am from Eastern Europe.)

The only weakness it has is credit/debit card: all information needed for transactions are directly on that one card! What's worse, for online payments you do not even need that card physically! Still it puzzles me why is this highly insecure way of paying over internet still being used when there are lots of means to make transactions safer. Because "people are used to it" from offline world and something more complicated causes headache? History of credit cards in my region is not that long to get used to it, so I can just shake head and get one-time virtual i-card for online transaction...