>Firstly, Banks do set the pin first, and the vast majority of people probably never change it. That's certainly not the case at my bank. I live in Canada, so

>Firstly, Banks do set the pin first, and the vast majority of people probably never change it. That's certainly not the case at my bank. I live in Canada, so perhaps things are done differently here, but when I was issued my card they made me choose my PIN.