Once, a foreign ATM ate my card after I keyed the wrong PIN too many times. I didn’t memorize the actual PIN numbers but the “pattern” they made, so it was a pattern I keyed in. I stupidly didn’t notice that that keypad was inverted (the “1” key in the bottom row, instead of in the top row). And I couldn’t remember the PIN of my US ATM card that I hadn’t used in a year.
I would have been totally screwed for cash if spouse didn’t happen to have a transitting flight thru that airport that day.