While this doesn't invalidate your point, I've seen recordings of people being coerced to give up their pin by someone acting like they are being helpful in getting an ATM to work. The guy of course has a skimmer and gets it later.
Card Skimmers will only copy track1 and track2 of the magnetic strip. In order to get the pin you need an additional piece of equipment that records the pinpad, such as a well placed camera.
No. And FDIC insurance has nothing to do with this. Most banks will in fact try to hold you fully liable for fraudulent transactions if your stolen card was used with its PIN. Their rationale is that if you gave your PIN to an unauthorized person, or used a weak PIN, or wrote it down and got the piece of paper stolen, then you should be liable. See for example: "If your Password or PIN is used in such a transaction, you will be liable for the full debt"http://www.scotiabank.com/ca/common/pdf/borrowing/revolving_...
The latter is incredibly rare. The former is your own fault. That's why generally if a PIN was provided the liability is on the card holder.