When chip-enabled cards and ATMs first started making their way to the general public in the U.S. I had a friend who forgot his card 4 times in a single month,

When chip-enabled cards and ATMs first started making their way to the general public in the U.S. I had a friend who forgot his card 4 times in a single month, the last 3 times just hours after receiving a replacement in the mail. Each time he admitted that once he had the cash, he completely forgot about the card. I'm not sure if the machines beeped back then or not, but for his sake I'm glad this particular UX was adjusted.