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Giving any credibility to that argument is entirely fallacious because it fails the infinite regression test. Ultimately, you end up back at the argument that if we all relied on cash, there would be no credit/debit card information to steal at all.

Making it difficult to process credit cards doesn't solve the problem of credit card security.

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Not talking about making it difficult to process credit cards, but rather standardizing it as much as possible. I will again use the ATM as an example. If all ATMs looked exactly the same anybody should be able to detect fake ATMs and ATMs sabbotaged with external skimming equipment.

Security wise an inexpensive portable standardised terminal would make much more sense. In the end it would cost a bit more, but this would not necessarilly translate to increased cost for the POS. Less skimming equals less cost to the service providers _and_ the POS.

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