> insert PIN, wait another 5-30 seconds until the transaction runs, and then get my card back.
Never had to wait that long (unless there is some issue at the bank but usually it just stops working all together when that happens) here in Finland. Also if you use a credit card instead of debit for payments under X euros it doesn't even call the bank just checks on the machine if the pin matches the chip.
Unfortunately EMV here in the states is still in its infancy, and it can and does take that long to process a transaction. What I find extremely frustrating is I can use Apple Pay (which still uses EMV under the hood, just the contactless variant) and be done with my payment in under 2 seconds - meanwhile actually dipping my physical card will take a minimum of 5 seconds and up to 30 depending on the situation.
The payment industry in the US did not properly prepare for the EMV transition, and it's pissing everyone off.
Never had to wait that long (unless there is some issue at the bank but usually it just stops working all together when that happens) here in Finland. Also if you use a credit card instead of debit for payments under X euros it doesn't even call the bank just checks on the machine if the pin matches the chip.