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I saw a smiliar but totally different scenario in a Stockholm suburb a couple of years ago (I guess the practice is still there): An old lady was in front of me in the line at the grocery store and paid with her card, and the clerk took out his notebook and entered the pin code. It was like the two keys to a vault. Neither of them could do the transaction without the other. I hope the notebook didn't keep the code together with an identifier, but I found it really cute.

With contactless today I guess you can solve it with just one person, but I really liked the two-factor.

And the community service, of course.

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