

Could have been but it’s actually more than that: he produced fake champagne on purpose, using wines from Spain, carbonated it and added flavour packs. He then marketed it as champagne and even attempted to export it. Once caught, he fled to Morocco to start a new business.
Real Champagne actually follow a lot of rules besides the protected origin, it’s a blend of wines but it’s not supposed to be carbonated, and flavor balance is to be made only with specific liqueurs.

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).