It's time for XP to die. That OS was released in 2001, and it is now 2014. Name one other OS that made it that long? That had three Service Packs to it's history?
Various flavors of Unix
.
As far as ATM's running embedded versions, etc.. I am not going to lose one minute of sleep over it. Those systems access and security is well known. Honestly, it's easier for a crook to roll in a completely counterfeit machine to collect account numbers and pins.
I've spent some time in that space, and I would very much be losing sleep over embedded XP if I worked for a bank that had it running on their ATMs. Jackpotting an ATM running embedded XP looks pretty easy if you get access to the network it's on. Yes, normally attackers shouldn't be able to get on those networks, but relying upon that without addressing the ATM's vulnerabilities is a recipe for failure.
I think 80% of the complains about Windows 8 is just noise.
Usability is a crucial component of a desktop operating system. When you change the paradigm, hobbyists and professionals will figure it out if they choose to. Run of the mill end-users will have a very hard time doing so, and will choose not to if they have any option. I spend my work time in enterprise IT environments and I have not seen a
single Windows 8 PC on an end-user's desk. Home users have been avoiding it in droves. This is not just noise.