Banks are trying to dump responsibility for credit and debit card fraud on to customers in a move that could cost families tens of millions of pounds.
They are making changes to small print which will allow them to block compensation to fraud victims from January.
Customers could be liable if they use a PIN that can be easily guessed or the bank decides they have been careless and allowed a criminal to see the number at a cash machine.
http://www.dailymail.co.uk/news/article-2230818/Bank-fraud-soon-YOUR-fault-New-rules-demand-care-cards-PINs.html

Realist - Everybody in America is soft, and hates conflict. The cure for this, both in politics and social life, is the same -- hardihood. Give them raw truth.