I don’t know how it’s charged in France but in other European countries that “tiny box” is often part of a costlier subscription plan. And it’s a device fully controlled by the ISP.
The reason people buy those apple tv/google tv/Nvidia shield and others is to have as many content streamers as they may need in their home, and to have control over what they can display on their tv set.






Many national systems.
Direct free instantaneous bank transfers in the SEPA member states. And the systems built upon it like ideal/wero/blue chip and others.
As far as I know most of Europe favors debit instead of credit cards. Financial life in the EU is organised completely differently from North America (well, at least from USA and Canada, haven’t been to Mexico yet).