Re: contactless/chip and pin
We had contactless cards, but when you can use a contactless card without PIN or signature it's ripe for ripoffs. Most of the contactless cards went away at the next refresh.
We do have cards that present two alternative authentication methods (1) chip & sign, (2) chip & pin. Most terminals aren't smart enough to use anything but the first method presented. Most European and Australian terminals choke and suggest a signature even when they're unattended and have no mechanism to accept a signature -- some just go ahead without any authentication.
I put the blame squarely on the terminal manufacturers (who seem to be mostly American, so yes, that's the USA's fault)
My iPhone works just fine on the contactless terminals (which are many places now)