We're getting there, albeit very slowly. Almost all the new readers I see at major stores now have the slot to slide your card in for the chip and pin. Every Target store I've been to appears to have been upgraded.

Wells Fargo has also started rolling out chip and pin credit cards, not sure if it's by default or not. I've had one for probably a year now.

That being said, I have no idea if the chip and pin even works end-to-end yet, as I haven't tried it. I'm likely part of the problem!

Also, we'll see what happens with the liability shifts in the US. Right now consumers have it fairly good with regards to fraud protection and getting reimbursed.