Discussion on answer by techraf: When choosing a numeric PIN, does it help or hurt to make each digit unique?

@macraf you are confusing the probability distribution used by OP to choose a password with the frequency distribution of actual passwords (most of which have been chosen non-randomly).

@Josef second, perhaps, after 1234. Because half the population has IQ below average (by definition), and because one's best chance of guessing a PIN is to assume that the card's owner is from the stupid end of the distribution.

@DavidRicherby well that's a view for sure, my feeling is that the question is asking about the user's security. I feel it's possible to answer the question focusing on the user's security and pointing out that entropy is not likely to be the main determinant factor, which is why I felt an answer focusing on that aspect and not the security aspect wasn't a good approach.