the us has had nfc and chip for years. we still support swiping too. your statement was true for a few short years when europe did chip first. which was much easier there, since credit cards were not as common, and didn't exist since 1950 like in america.

we don't use a pin, because that doesn't help with fraud. most fraud is either online, or someone at the store, who can easily skim or see your pin. online you can use 3dsecure, which has a pin.

processing a transaction doesn't mean your money's gone. you can dispute any fraud charge for 2 months. so the pin doesn't do anything. and for bank accounts, where it's debit, and your cash is immediately taken out, we've had a pin since before europe had an atm card.