"Those who do not learn from the past are doomed to repeat it" or variations thereof is a profound and frequently cited quote. It's commonly attributed to Winston Churchill, but most authoritative sources attribute it originally to George Santayana in his work "Life of Reason, Reason in Common Sense."

Regardless of who the original author is, one of the reasons that it's so frequently cited is its applicability to so many situations. Even point of sale skimming, it turns out...