EMV solves some issues but is vulnerable to a MITM attack, documentation etc has been online for about 2 years if I'm not mistaking and no fix or whatever in sight.
It's all about the money, if the amount of fraud (covered by insurance) and costs is lower then an EMV rollout (or fix for EMV), banks won't move. It's 'included' in the business model. Same story for retailers, most POS systems are a joke when it comes to security, flat text transactions, old hardware (XP or below) with disabled updates, no antivirus, no password complexity, no effort whatsover to protect whatever. Just disable everything for the sake of a stable POS system.
They simply don't care, they only will when there are legal repercussions and there aren't.