Are they really that stupid?

[Porcupine]

How do we know they're not lying?

After all, what's even wrong with stating your PIN number out loud if it's a fake one?

That reminds me of a Michael Mcintyre joke:

I’ll tell you what I also like doing, is saying four numbers when I do chip-and-pin. They’re not my numbers, but it freaks the shit out of people. Because most people are so secretive – they hood, they create a hand hood. I’m hand-hooding. I just go “Seven, four, two, one. I think those are them.”