I'm still kinda shocked that it took so long to get chipped credit / debit cards in the US, and the fact that credit cards still don't have pins...

Most of the online transactions I do with my credit card in Europe require me to verify them via some approval app (often the bank's own app) before they're submitted.

But I guess it's more profitable to just let US folks spend spend spend and rack up huge debt burdens. The interest is probably higher than whatever anti-fraud efforts cost them at the moment.