Zimbabwean non-uptake of protective point-of-sale behaviours: is this a risk homeostasis response?

In a world which is increasingly relying on debit and credit cards to effect transactions, people are entering PINs in a wide range of situations and contexts. We all know we ought to shield PIN entry, and check for skimmers if we are using magnetic stripe cards. Yet previous studies have found that a minority of card users shield their PINs at Points of Sale (PoS). Previous studies into the incidence of PIN shielding have taken place in Europe, with stable currencies and relative wealth.