I think the solution to this problem is to do away with acronyms, asap. ;)

I also hear myself saying things like "put in your PIN number at the ATM machine"... and then it's even worse because *I'm* the one doing it... and God knows I should have no possible excuse, or, er, just that I'm human.

really, though, it is a bad idea for Americans to use French acronyms/initialisms when we can't even manage our own!