I used to work for RACAL secure payments.
When we found out they wanted Micro$oft in ATM we all giggled out loud.
This was in the 90's.
When i worked for G&D testing EMV cards the management said the insurance is cheaper than the RISK of SDA in EMV cloning. They did not care the EMV Chip & PIN could be cloned, even when evidence was presented to them.
So it's not about SECURITY.
It's all about the ACCOUNTANT and RISK insurance.
Shoot the accountant's they have made this world INSECURE for everyone.