Cameras at ATMs.

I'm surprised that it's not the merchants that shall take full responsibility for fraud. That would raise the stakes on them to request photo ID or for online sales other means of supplementary identification.

It's still better than the magnetic stripe. But I agree - it's not as secure as it can be.

Compromised card readers are one item that can be used to spoof cards.

It's not the card that contains the PIN on the European solution, the PIN is validated by the bank.

The reason the US has opted for signature instead is because they think people will have problems remembering the PINs.

So this means that if you lose your wallet - tough luck because many shops don't check signature validity.

Add to it the stupidity that if someone matches the signature it's the signature on the card, not the signature on your photo ID.

According to some sources the US has opted for chip on the cards with a hand-written signature.

That leads me to believe that frauds in the US will continue to be high.

Is suffering always bad?

Suffering in the short term perspective may pay off as beneficial in the long term perspective.

Some people think outside the box, and maybe the group suffers because of this - until the group has reformulated itself. If there were nobody that challenged the system then no progress would be made.

What have the wiener mobile to do with climate change?