This might be one of the unintended side effects of the law. If you have a low balance account or a ‘bad’ credit rating. Banks might simply stop offering debit cards that work on credit card stations.

This probably won’t happen unless overdraft fees are underwriting the risk of unpaid overdrafts. I’m not sure how many people just cancel or abandon accounts that go negative. I’d guess that it’s low but only banks would have the actual numbers.

The Wikipedia page has 2 tables the one that says ‘latest’ from the WHO has the US higher and the one that includes multiple sources and older data has Japan higher