Chip and pin problem

Chip and pin. This is a way to use our cards and we are told that there is more security. Well, the security increase is only completely true for the banks. Whilst for the consumers, we have much less proof that a card has been used fraudulently. Before, we could say that the signature is different and the experts would be able to prove this. By getting rid of the signature requirement,
the onus is on the consumer to prove that nothing untoward has happened. The best way is to have both: the signature and the pin.