that ain't true. My Visa is swipe, and my Amex chip. All places accept both swipe and chip & pin, no matter how small the place is. Just make sure that if you swipe you have ID w/ photo with you.
In Holland the policy is now to only allow pin based transactions using the chip. The magnectic stripe is no longer supported.
So, although most hardware is still technically capable to swipe, no bank is supporting it any more.
It was in response to eastern europe based organized crime, that was modifying cash machienes.
Likewise, all online bank transactions use a secondary device for authentification.
If you visit holland, and only bring a credit card, make sure you get cash at your hotel, the airport or a bank, because you cant use it anywhere else.
