Yes and no. Lots of the smaller towns were already fairly spread out because they were agriculturally-based towns, so the property sizes were huge. But many of the big, old cities still have excellent public transit.

About 20 years ars ago I flew to New England on a trip and was able to get between and around everywhere I needed within Baltimore, DC, and Pittsburg using trains and public transit, very very easily.

In Texas that simply isn’t possible because most of the cities here are so spread out. The Texas Triangle is an urban population center with the population of New York City, but spread over 60,000 square miles instead of 300.

Europe had an advantage on designing walkable cities by building them when there wasn’t another option.

Much of the US was settled by cars and air conditioning.

Honestly, almost any PIN is probably fine so long as you don’t have it written on the back of the card or something. Cards get locked after like 3 failed attempts, so the number itself doesn’t have to be unique or rare.

Hell - even if you gave them the first digit and the thief could eliminate 90 percent of of the remaining numbers based on probabilities, the thief would still have less than a 1:30 chance of getting the right combination before the card was locked.