PCI DSS sets standards; however, it is established by the very industry it regulates. Should these be codified into law? Further, while the 'chip' is being more widely used for payment cards, many merchants still utilize the magnetic strip, and some are using technologies such as Apple Pay (Bluetooth). A quick check will reveal that some cards will not work overseas. How do you feel these issues should be addressed to standardize card use and increase security for the holder?