[djha-skin]

PIN codes and chips are used in the US as well, but I doubt a PIN and better encryption would help you[1].

1: https://xkcd.com/538/

[hyperman1]

As I used to work in a high-crime area, I placed fairly low daily and weekly limits on how much I can spend. I have to warn the bank at least 1 day before if I want to spend more. So chip+pin allows for mitigations where cash doesn't

[ohmaigad]

Then with cash it is even easier as it doesn't leave any digital trace.