N26 requires you to have their app installed to confirm the web logins.

I left the US in 2016 and moved to Germany.

If you have a university degree and work in an in demand field, such as IT, it is relatively easy to get a job and visa for Germany.

The hard part now is affordable housing in the big cities is almost non-existent, especially for someone moving here with no work or rental history in Germany.

The cost of living is less than in the US, so depending on your job/salary, affording the expensive housing may be less of an issue.

Overall the quality of life is much higher and the relationship to work and your life is way more balanced than in the US.

I can’t imagine going back to the US now.

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It’s also colonialism.

Capitalism is causing massive wealth inequality.

With the forced return to office, your time is wasted on getting yourself presentable in the morning and then commuting to and from the office. This should be considered part of your working hours if being physically present adds so much value, employers would pay that cost. In reality no employers would do this, as they know being in the office isn’t worth 2 hours of your working hours.

The predatory credit cards in the US should be not legal. They are exploiting people who don’t have so called “financial literacy” and encourage wasteful spending.

In Europe the US style credit cards don’t really exist and people just have debit cards. Also there is a social safety net, so people don’t have to rely on keeping money in the bank for when they become unemployed.

In capitalism everyone has to exploit their skills/strengths for money. Whether that is your body doing manual labor, sex work, or your mind doing knowledge work, it is at the base the same activity.