Coding with Fountain Pens

The user interface design snafu that bothers me the most is the “hit cancel for credit” routine while swiping your card at a local retailer.  Clearly, it would be ideal to present a choice between credit and debit with separate buttons on the touchscreen, as opposed to defaulting to debit and requiring the user to take the obscure step of cancelling out and then going to credit.  The interface is software, it can be changed, I don’t understand why this horrible user experience has persisted for so long.