Credit cards forged and stolen - yep, although there are protections where people are not liable for fraudulent transactions
PINs get stolen - only if people write them on their card or nearby, or tell someone their PIN = their responsibility
Enter PIN at ATM under duress - it happens; get the proper police report filed and you do have some recourse
In the first and third scenario, there are protections. Protections that are afforded through insurance premiums and monitoring services paid for by the bank. Then there's the thing about interchange fees (service fee paid for by the merchant to process a card transaction). I'm sure plenty of people have heard the squabble about those fees. Have you ever wondered how your bank is able to (in most cases) give you a card for free? Ever wondered how your bank is able to offer you $0 liability on fraudulent transactions? How about monitoring your card activity to detect fraud, for free? I can tell you the card networks do not run on magic pixie dust, or repair themselves, or keep themselves upgraded to support the traffic. The interchange fees help pay for all of that. It is commonly known that by virtue of a merchant accepting plastic for payment, their gross sales increase by 30%. A big benefit? I think so.
Disclaimer: I do work in the banking industry