The thing about this in a lot of places here (Texas) is that the system is set up to not let you use a debit card as credit, meaning if there IS fraud it comes from your account and you can't charge back, no loaning card to have someone for instance pick up a prescription if you're too ill to get out without telling them the PIN, etc. Walgreen's is a good example, when you insert the chip, you can push the yellow button to use credit (unmarked, no prompts). They won't tell you this but they know it, I got the lady at the pharmacy window to tell me after getting into argument with manager up front over it with her telling me "it's for my own protection".
