So how many tries (i.e. EU parliamentary votes on an actual legislative text brought in by commission) has there been for encryption backdoors or mandatory screening of chat content?

There has actually been only one, the November 2023 vote on CSAR regulation, and it was rejected overwhelmingly (https://edri.org/our-work/eu-parliament-committee-rejects-ma...).

There is no reason to believe the same thing won't occur in future votes.

Also, whether the plan pushes for backdoors is debatable since those are not actually mentioned.

E.g. for now I have the most premium card offered by my bank (50€/mo), and it gets me extra product insurance, rental car insurance, travel insurance, free lounge access, and some other things like that, but no cashback or similar.

I think some premium cards do offer cashback nowadays, but they are in the minority. Some cards also offer airline reward points. My experience is limited to Finland, though.

That is changing with the Single VAT Registration (SVR) legislation, effective in 2028.

E.g. in Finland the relevant regulation (https://traficom.fi/files/media/regulation/M_28_L_EN.pdf) says (in section 10):

> Telecommunications operators must block calls terminating from the public international interface when the calling party number is clearly incorrect or the calling party number is a Finnish telephone number and the situation does not involve roaming as referred to in section 7.2.1.

As for international scam calls, not sure what the situation is in France and what measures they have in place, but one relatively easy way is to block international callers from spoofing a local caller ID, which decimated these calls in Finland a couple of years ago: https://traficom.fi/en/news/obligations-regulation-come-effe...

Maybe also lower average value of cars and less accidents here plays some part. But not sure how large that difference actually is.

Could also be some difference in the insurance premium systems: The amount of accidents changes one's cost for next year based on fixed rules - the ~$20/mo is with the highest discount (no liability insurance covered accidents in many years). The maximum it can grow to (for me, with my modern car) is ~US$100/mo, by having 4 consecutive covered accidents without accident-free years. Not really sure how wildly this varies in other countries or if the systems are similar...

The optional car insurance is more expensive, my full coverage (including damage, theft, parking, glass, fire, towing, substitute car etc.) is in the ~US$100/mo range, with ~$230 deductible on most coverage, and towing, substitute, glass repair at $0.

It sounds like you pay much more. Any idea why?