I want it <i>so that I don&#x27;t have the hassle</i>.<p>You want to buy a bottle of coke from a vending machine?  Most of them don&#x27;t have card readers.<p>You want to tip the valet&#x2F;bellman&#x2F;maid?  Most of them don&#x27;t have card readers; even if they do, it&#x27;s still inconvenient to make them dig it out.<p>Feeling compassionate toward the beggar on the corner?  Think he&#x27;s got a card reader?<p>Want to pay the babysitter?  Does she carry a card reader?<p>Then there&#x27;s the other side of risk.  Ever had your identity stolen?  (I have, though not from a dodgy card reader.)  And if you think chip and pin is going to make that impossible, I expect that the crooks will find a way.