All of my US credit cards have a verification number that is required as well as the CC number for any online transaction. It's not that much different from a PIN.
We also have zero liability for unauthorized CC charges. So even if someone were to do that, the bank would be on the hook, not the user. Banks rely on a lot of computer analysis to determine whether a charge should be allowed.
It's much more of a pain to get money back into your bank account after it's been withdrawn. So although it's technically true that a bank card with PIN is more secure, to the end user, it's not any better.
We also have zero liability for unauthorized CC charges. So even if someone were to do that, the bank would be on the hook, not the user. Banks rely on a lot of computer analysis to determine whether a charge should be allowed.
It's much more of a pain to get money back into your bank account after it's been withdrawn. So although it's technically true that a bank card with PIN is more secure, to the end user, it's not any better.