We have lived in the US for 18 months now and had to deal with more fraudulent charges on our cards and bank accounts (about $2000
) than in the previous 30 years of living in Europe (a nice round $0).
I just don’t understand everyone is ok with this broken system.
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Externalized cost from issuers onto consumers, retailers, processors. Liability shift when PIN is used.
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Starting with the fact that a static low entropy factor is a terrible idea to begin with
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