I’ve never thought about this before. One thing I’m curious to hear from your perspective is the idea of a single password being irrelevant. I’ve had my credit card info stolen before and it’s never been a concern of not being able to convince my bank it wasn’t me, the amount of corroboratating evidence is just overwhelming. In a world where a single point of failure ,such as a biometric, is irrelevant simply because the amount of information to convincingly recreate a person is more trouble than it’s worth. Additionally I’ve never had a biometric be the last line of defense, somewhere along the line a password is always required.
Idk love to hear thoughts on this admittedly am low key drunk so maybe am saying dumb stuff