The problem I have with this is that some consumers won't understand the degree to which all of their access depends on their MS/Apple account. Consider the hypothetical person using this for all their access, smacking their finger down on the reader habitually for every pop-up. Ok now they lose their phone. Do they remember their apple password? Do they know how to recover their account? Are they locked out of their digital lives now? For some percentage of people that answer would seem to be yes.
For example, the Apple account recovery process [1] seems particularly vulnerable scenarios where your devices and wallet are lost together, so don't get your bag stollen while traveling if you don't remember your apple password.