I can only agree with the statement that "Stop reusing PINs (unlike passwords) is unrealistic. PINs should only be used for local authentication and should be reusable. It is the fault of banks that use them on the web." PINs are essentially Sender Constrained Tokens (at ATMs, etc.)
Further display Stop reusing PINs (unlike passwords) is an unrealistic idea. PINs should only be used for local authentication, and they should be allowed to be reused. It's the banks that use them on the web that are at fault.