... or we could go backwards and have to visit the bank each week, where the cashier either knows you or had to physically go check your signature against the card you signed when you opened the account. 
Ah yes, the old days, when banking security depended on having an honest face.
And of course, you had to be personally interviewed by the branch manager before being offered a cheque book and (if you had that honest face) a cheque guarantee card.
But at least in those days it was accepted that signatures could be forged, for which banks generally accepted liability. Nowadays, I'm alarmed by the number of stories I read where C&P fraud has occurred and the banks insist that because the thief used the pin, the customer must have disclosed it, and so the customer is liable.
PS: Ignitionnet, I see our posts have crossed, not ignoring your point that just that I'd already composed reply and don't think it contradicts.
