
And how would a duress pin help anything? As if the cops could jump onto the scene during the short time that an ATM transaction takes...
Seriously? In the case that a duress code is entered, the police have a lot of information to work with. As opposed to someone reporting the crime possibly hours after is happened. 1. The cops are informed that a kidnapping is in progress right now and have the exact location of the kidnappers. 2. They know the person who has been kidnapped by the bank account that is being accessed. 3. They have the images from the ATM camera, which may indicate how many kidnappers there are, how they are dressed, what state the victim is in, etc... 4. The duress code could cause the ATM to display a "This account had insufficient funds" or some other error message. It's far from a perfect system. But having a "a crime is happening at this location" alarm would be a boon to law enforcement.
Chemistry professors never die, they just fail to react.