I want to have a system which protects me from money loss (through my own fault, a malicious third party, or my bank's fault). I don't care how as long as I'm p

I want to have a system which protects me from money loss (through my own fault, a malicious third party, or my bank's fault). I don't care how as long as I'm protected. With Chip-and-PIn cards, I'm not protected because I have to proof that it was not my fault (which can be incredible difficult to do). So, I personal prefer cards that require a signature. It doesn't matter to me if it has a chip or not (the chip has nothing to do with the pin, there are also chip-and-signature cards and cards that support both. The chip makes it hard to physically clone the card). If you are interested in the downsides of the new pin card, checkout this video: https://youtu.be/Ks0SOn8hjG8 https://youtu.be/Ks0SOn8hjG8 So, if zero authentication means that I am not liable for financial damages, I'm happy with it but I wouldn't bother to use a pin if I had the same liability. Unfortunately, the pin adds laughable authentication which makes me liable for many types of fraud (see the video).