I can’t tell if his helmet saved his life or if he wasn’t wearing a helmet. The way he avoids directly saying a helmet saved his life in the video while pushing the importance of wearing one makes me believe he wasn’t wearing his at the time and came very close to making his last omelette.
Basically, the US banking system is made up of many smaller banks, unlike most other countries where there are fewer, larger banks.
This coupled with a large land mass with high population makes it more difficult to make the expensive infrastructure upgrades necessary for modern banking innovations like tap to pay and the loss of the need for physical signatures.
Many of these innovations are only making it to the US now because of larger foreign banks entering the US market, as well as the plummeting costs of technology.