actually,,,, cant completely not use them. in the last year, ever debit or credit card ive seen says "must be activated with an atm transaction"
The police habitually have to react to an unexpected attack, hence the poor hit rates.In the 70s the NYPD did a study and found that their own TRAINED officers miss 90% of the time at ranges over 10 feet in actual gunfights.
Yeah, I think the odds are overwhelmingly in your favor. I don't think training has progressed so much in the last 30 years to significantly affect this. Even so, more recently, around 2008, RAND did a study and found this same NYPD missed 78% of the time. Once again, we are talking about trained gun carriers.