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I've advocated for that, as well as an ATM PIN to use if one is being forced to withdraw funds. It could alert police, mark the security camera footage to be saved, and show a very low account balance.

Try as one might, the world doesn't seem to want to be better.

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OK I'll bite. I think your solution only solves one edge case. And there are too many other edge cases to warrant spending the infrastructure to fix one edge case.

Examples, your solution doesn't solve:

- Mugger waits for you to withdraw the money from ATM.

- Mugger forces you to withdraw everything AFTER you entered your PIN.

- Muggers holding someone ransom until you get them their money.

- You are traveling outside of your home country/unreliable law enforcement.

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