Many people miss the fact that fraudulent purchases are not their problem. Adding a pin, at least in Canada, potentially puts the onus on the cardholder to pro

Many people miss the fact that fraudulent purchases are not their problem. Adding a pin, at least in Canada, potentially puts the onus on the cardholder to prove they didn't make the purchase. Although, even though the language of the contract says this, the companies generally don't enforce that. But chip/signature still means the store and the credit card company are risk managing it as part of the cost.