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The idea is that even if someone points a gun at you they can't do anything to you immediately if you don't have a phone or a credit card with you (as far as I know anyway). But with biometrics no matter what precautions you take, you'll always be in a position to give people your stuff by force

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So is the threat model that the guy mugging you points a gun at you, then walks you to a store that supports Mastercard bio authentication, and while holding you at gun point, forces you to buy some fungible good from the store that they then rob from you?

…does that not seem incredibly convoluted? And not even that damaging for you, it’s obviously and clearly fraudulent, you’d have no issue getting the chargeback.

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