And you don't even need to know you've been robbed. You look at a stranger on the street? Now your bank accounted is empty! How efficient!

Cards should have a duress PIN that appears to work and clears the transaction when used, but then immediately locks the account and flags it for fraud investigation.

Literally already works if I know your credit card number. Fraudulent charges are possible, but well. Fraud tends to be prosecuted and illegal.