No instances of forgetting the PIN and endless wait for getting the new PIN.
Nor the fer of losing the card.
A new software system is on to transact by using your Face!
The problem will be that those who kidnap you need not torture you to part with your PIN.
When you start spending actual cash you become aware of the spending and you tighten your belt,but not when you pay through a card.( it becomes just a number in your mind).
I have seen people divulging the PIN number to the shop assistants to effect payment.
And the Bank charges you for spending your money.
Best is to spend cash, no cards,though this may seem antediluvian.
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