The ridiculous generalization that wallet return rate in a minor sample equals population honesty makes no sense at all, regardless of the conclusion. That is to say, the research methodology is essentially problematic. Should the research be valid, the role that a wallet plays in daily life must not vary significantly from one cultural background to another. The pattern in the plot actually appears to correlate better with the popularity of wallets in each countries. In Northern-European countries, wallets (cash/credit cards) are used for most payments, whereas mobile payments via apps/virtual credit cards dominates the Chinese market (both online and offline, even including miscellaneous fees like parking fee); the US lies in between the two poles.