Yes, the US credit card situation is decades behind. We added chips when rest of world had tap, and then we finally added tap when everyone had NFC on their phones. We've only recently started doing the mobile POS terminals at restaurants with the waiter coming to you, but it's maybe 10% of restaurants at most. The standard practice remains handing your card to the waiter who then disappears for a few minutes to ring up the bill.

We also never got rid of swipe, and most cards have their number/expiry/security code printed right on them. Everything you need to go shop online with someone else's card...

It's terrible infosec all around.