It's a common mix-up (people barely differentiate between the terms anymore, though I'm surprised nobody in 2 hours mentioned it yet), basically RFID is (historically) an ID; a username. Like an ID field in a database. NFC is near-field communication: bidirectional. It does challenge-response and typically runs on hardened chips. But yeah people will call NFC chips RFID and RFID chips NFC all the time. Both are waterproof devices doing radio transmissions on wireless power and you can't tell them apart without using some equipment to try and read the chip type (even if most phones can do that nowadays), so I can understand the terminology generalisation
Or the use case doesn't depend on any protected bits. A lot of NFC chips are being used as glorified ID tags even if the hardware could do more. And what actual security the hardware provides varies a lot - it's more like a gradient from dumb ID to full java card than a clean distinction.
Some cards use some kind of challenge-response but are weak and are easily crackable.
Some cards have an anti-copy protection based on rolling codes, be careful with these. The idea is that when you use it to, say, open a door, the card sends a code to the reader and if correct, that code is burned and the reader replies with the next code, which is stored in the card for the next time, making every other copy (possibly including the original) unusable. If the card emulator doesn't store the rolling code, you are completely locked out.
Some cards have a proper challenge-response mechanism that works and can't be easily copied.
But I'm guessing that's for serious security, where going to the guard shack is preferable to letting anyone unauthorized in?
I believe there are some more secure cards, like Mifare DESFire EV3 that do provide some security. You’d be shocked how insecure most RFID readers for security cards are.
In the case where it was most useful to make copies they did eventually replace the system with one where the keys weren’t copy able. Which was better!
Recent UL-C/AES disclosure too IIRC
Some of that can be trivially cloned.