I didn't like taking money from individuals.
There are many ways to manipulate chip cards. For example, a number of years ago when American Express issued the first chip card, criminals would take a small hammer with a little device and bang the chip to destroy it without hurting the physical appearance of the card.
Criminals look at identity theft and say only 1 in 700 criminals gets convicted of it. And they look at check forgery and they know that for every 1,400 forgers arrested, only about 123 get convicted and about 26 go to jail. So the rewards are great, but the risks are very slim. So that's one of the reasons that make it very popular.