[_jal]

Not to mention that some of the higher-volume corner stores in my area still use the magnetic stripe reader. So the interaction usually has me inserting my card, the cashier noticing, telling me to swipe instead, and going from there.

So unless I'm going to a big retailer (rare) or the stores directly around work/home, the interaction is usually complicated and annoying for human factors layered on top of the complicated, annoying, and insecure chip+sig protocol the banks settled on because chip+pin was too annoying.

This is why we can't have nice things.