At some point, ATM skimmers have to reach a point where you say that the system has completely failed us. Right now, there are ATM card skimmers that are so slim they can fit inside the card slot itself. They obviously need a secondary component to record the PIN, too. So how long will it be before our cash machines and point-of-sale devices fail completely?
I think, if you want to make a point, you will need an ATM whose every component is transparent. Then, anyone who tries to attach a skimmer either needs to make it out of glass somehow or hope you don't notice the green printed circuit boards, wires, antennas and cameras all over the compromised machine.
The step that wins this arms race will be a radical change to the whole process. Not better ATMs or better card security features, but a whole new way of transferring money instantaneously from customer bank accounts to companies and stores. I don't know what that will be yet, but I predict it will involve mobile phones and the internet.
Mokalus of Borg
PS - It won't be like using credit cards over the net, though.
PPS - We're already failing at that.