I have never encountered even that. My debit card also works great for in-person payments in the US, with the only exception perhaps being rentals.

Yes, but not necessarily MasterCard/Visa debit cards. Germany's Girocard for example is a national debit card scheme that does not use any of the American grifters. Unfortunately, it's being phased out in favor of MC/Visa because the EU fee cap on national schemes is much lower than for MC/Visa and so banks can make more money off of you.

We're just standing by and watch our dependence on American grifter megacompanies larger every day.