I disagree with you in principle, just because the phone is the only avenue that has so far made use of fingerprint biometric data doesn’t mean it won’t be used more in the future. (It seems to be used here for paystubs, so it is possibly getting more reach currently). Looking at it from a tightening of cybersecurity perspective it would make sense if people thought to add it as a second factor.

“The building isn’t on fire currently so there’s no need to move the gas can away from the fireplace.” Isn’t a compelling argument.