[amarant]

replace ATM with the CC terminal in your favorite foodtruck then. this is even better, since you're not likely to type in a withdrawal amount into those (and thus adding noise by pressing more keys)

same thing goes, but they're rarely made of metal

[brianberns]

A debit card can be used as a credit card at a CC terminal. No PIN and no transaction fee. I don't think you'll find many people typing a PIN into a CC terminal in the wild.

[taumhn]

AFAIK it's mostly in the US that using cards don't always require PINs. Here in Canada I have to enter my PIN whether it's my credit or debit card, for every purchase at a CC terminal. The only exception is if I'm using contactless payment. This was also true in Europe last I checked.

[Uberphallus]

All the time in the EU, except if the card has NFC, then without PIN up to 20€ (depending on the bank).