<prompt> Human: Id love to have the added security but I really only use my debit card to pay my bills, hardly ever use it online and dont use it at restaurants or when I go out. Ive heard that the chip is easier to clone doesnt seem true though because why would they have it otherwise and that overall your card is more secure by having the chip but thats where Im confused and this whole chip thing is mixing me up. Can somebody explain this to me?  <response>: From what Ive read, the chips are harder to clone, which is why theyre switching. It takes next to no technical knowledge and a very easily accessible machine to copy your magnetic stripe, but the chip isnt quite as simple to my understanding. 