Now, I didn't abuse these things because like I said, I had permission from her, and she had permission from me to use my card in times when it was necessary. Regardless, there is very little control currently over debit card and credit card transactions and the system is extremely easy to subvert for bad purposes like identity theft.
Go to McDonalds and pay with a debit card. Input the 4-digit code onto the machine and say YES to the charges. Put the card in your pocket and eat your fries. Did the employee ever check your ID or look at the card you were using? My name is Kris and my girlfriend's name was Jill - a quick glance would have brought up enough suspicion to warrant more inspection if the system worked properly.
My solution to this low-security problem is to add a few more checkpoints into the system, which I call Visual ID. These additional security measures would provide the employees a quick, easy way to check on proper identification issues when credit cards/debit cards are used and would help avoid identity theft.
The first part of the Visual ID system is a signature check. When you use your credit card at the store, you need to sign in the 'box' to agree to the charges. Every time you use your card, you sign the box, so why not give the employee a picture of those last few signatures along with your official signature on file and the current signature entered into the POS machine to compare. If an imposter was using the card, the signatures would appear drastically different, or at least different enough to inspect further.
The second part of the Visual ID system is a camera built into the POS machine. I would suggest putting a small camera into every POS machine possible that would snap a quick picture of you when you bought items (don't worry privacy advocates, they already take your pic anyway at most banks, stores, and gas stations, you just aren't aware). Then, when you used your card at Wal-Mart, the cashier would have the last 5 pics of you show up on the monitor, including a picture you have on file with the bank that issued the card. If you didn't look like the person who's card it belonged to, you would be questioned and investigated to make sure you aren't stealing the card.
I believe using a few more points of identification when using your debit and credit cards would go a long way to stopping identity theft. Currently, even with laws and measures in place, checking a person's ID is lackadasical at best, nonexistent on most occasions. Using a system like the Visual ID system would make it quick and easy for the employee to perform a few more checks to make sure the card belonged to the person using it.
Click the picture to make it bigger.

