[DrJokepu]

I can't help but feel that the way credit/debit cards work is inherently flawed. About once a year my (UK) bank calls informing me that someone in Malaysia / New York / etc. tried to use my card so they blocked it and sending a new one. If someone steals your wallet (happened to me not very long ago) they get physical access to your card and can spend an awful lot of money online before the bank blocks the card. In the end my bank refunded all my money but still it was a quite stressful experience. And if someone manages to get your PIN (by peeking over you shoulder), you can kiss goodbye to your daily cash withdrawal limit.

I'm no security expert by any means but still I'm sure that it must be possible to design a lot safer system. Of course you can never defeat human stupidity / irresponsibility / malevolence but it should be a lot harder to commit card fraud.