Completely at the feet of the banks. They needed to get off their asses and spend a tiny bit of their immense profits to fucking switch over. The banks could send every retailler a new chip reader for every register for free and STILL make record profits every quarter.
So blame the Banks and the Greedy assholes that run those banks.
I'm for bringing back all the heavy handed bank regulation from before 1980. Fuck the bankers.