What they did was shift the fraud cost and responsibility onto the retailer if they didn’t upgrade to the chip. That’s why so many retailers have moved to it.
Right, they did.
The article and the comments are that without the pin, the chip is not much better than swiping a magnetic stripe. The real added security from having the chip comes only if the pin gets used with it.
So I’m suggesting a small nuisance fee to encourage card holders to start using their pin. But because of people like me who never bothered remembering their pin, they shouldn’t force using the pins immediately. They need to change behavior. A graduated nuisance fee can do that.