the us has had nfc and chip for years. we still support swiping too. your statement was true for a few short years when europe did chip first. which was much easier there, since credit cards were not as common, and didn't exist since 1950 like in america.
we don't use a pin, because that doesn't help with fraud. most fraud is either online, or someone at the store, who can easily skim or see your pin. online you can use 3dsecure, which has a pin.
processing a transaction doesn't mean your money's gone. you can dispute any fraud charge for 2 months. so the pin doesn't do anything. and for bank accounts, where it's debit, and your cash is immediately taken out, we've had a pin since before europe had an atm card.
The USA is still rolling out chip support, with a date of 1 October for the remaining holdouts to use it.
The rest of the world reached that point around 15 years ago, including countries with high credit card use (UK, France) and high debit card use (Northern Europe).
In my small town I use only NFC via my watch, phone or tapping my card. If every place accepts NFC payments in this little town I would assume it's more widespread than you think.
I think it's just not widely known about/common usage in the US even though the infrastructure seems to be widely there.
Credit card fraud, as in transaction fraud, usually online. It's a lot less common for your physical card to be the issue in a fraud situation, so improving security there is moot
we don't use a pin, because that doesn't help with fraud. most fraud is either online, or someone at the store, who can easily skim or see your pin. online you can use 3dsecure, which has a pin.
processing a transaction doesn't mean your money's gone. you can dispute any fraud charge for 2 months. so the pin doesn't do anything. and for bank accounts, where it's debit, and your cash is immediately taken out, we've had a pin since before europe had an atm card.