Combine pancake mix, softened margarine, and milk (or water) in a bowl. Cut in with a spatula.
Add finely crushed chocolate into the bowl. Mix until the dough comes together.
Roll out the dough into an oval and divide into sixths. Line parchment paper on an oven-proof dish and align the divided dough.
Preheat the oven to 200℃/390F. Bake for 15 minutes to finish.
Story Behind this Recipe
I've tried many different recipes for chocolate scones. I made it so many times that I've learned it by heart. So, these ingredient ratios are my own modification that I've created without even thinking.
When microwaving the margarine, start from 20 seconds and extend if necessary. The chocolate pieces were too large in the photo. I love chocolate, so I was hoping to include large lumps, but still.