Microsoft pushed the reader industry to adopt their protocol almost 6 years ago and it's universally implemented in almost all laptops (citation needed; maybe I'm wrong here and it's not as universal).
They even have an open source reference implementation - https://github.com/microsoft/SecureDeviceConnectionProtocol - https://github.com/Microsoft/SecureDeviceConnectionProtocol/...
Yet Fprintd still doesn't support it to date. https://gitlab.freedesktop.org/libfprint/libfprint/-/issues/...
So the problem really isn't with the fingerprint readers (at least on modern laptops) it's that fprintd is horribly outdated with current tech
The other problem with Linux is that SDCP needs to be implemented in tandem with TPM support. Another area where Linux Distros are at least 10 years behind Windows.
However systemd has been slowly making strides with PCRLock
I am also pretty sure (but citation needed) that Microsoft has fallback code for image-matching fingerprint readers that run that code in a VM in some kind of trusted execution environment so that Windows Hello also works on old fingerprint readers