Wrong! Pin is designed as legal shield against you - it was initially designed because children of parents, disgrunted employees and angry spouses would show up

Wrong! Pin is designed as legal shield against you - it was initially designed because children of parents, disgrunted employees and angry spouses would show up with a phone and wanted access or make changes on that phone account and mere possesion of said phone “authorize” them. Now the terms of service clearly state pin is extra layer to protect your data from oursiders, be it your child or spouse. Meanwhile employees have full or near full access. I know this because my sister is a store manager. They would daily print list of accounts overdue and prepare list for followuos - should would check everyone in computer, their history of payments even zip code where they live and make decision whether to bother them with phonecall now or push it for another day. The only access they dont have is your credit card info. They cant even see the last four, since its separate third party company responsible for payments.