FBI innocently puts out an alert saying, you should set and use the PIN on your new chip and pin card. Banks freak the fuck out: if that happens, then retailers will force us to reduce the interchange fee. Banks tell FBI: you know, a lot of POS systems in retail don't support that feature yet. FBI retracts alert. Dick Durbin says, wait, why did you remove the alert? Are you actually looking out for the consumer here or not?