I've got a question about the chip cards. I have one and I use it when possible. I often hear that the reason to use them is that they are harder and more expensive to copy than cards with just a magnetic strip. This seems like a pretty weak deterrent. If everyone starts using chips wouldn't the price of creating cloned cards with chips go down? Wouldn't it eventually become worthwhile to criminals? Or do the chips provide another layer of security that I'm unaware of?