I have had a random idea which I just want to put out there: is there any reason why  credit cards etc can’t contain a built in microchip with it’s owner’s details and photo on it? That way, when a cashier puts the card into the reader, the owner’s details could automatically pop up on  their screen and they can instantly be verified. It seems to me that this would be a good way of guarding against credit card fraud, particularly  if it’s owner is a ”vulnerable person” who can’t input   a pin number.