This is basically, it's bank's fault for having chosen their cheapest mechanism and not have changed anything. In the end, the bank could have provided a digita

This is basically, it's bank's fault for having chosen their cheapest mechanism and not have changed anything. In the end, the bank could have provided a digital one off pin with a fixed amount fir the debit card. From a tech perspective this seems easy to implement and could have solved the casr, the bank just does not provide it.