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I think you can always use passwords. This is just an alternative, an easier one. I'm guessing both options will be available at once.

Most likely it will default to a password at that point.

Right, but since you haven't used the password in months or years, you'll probably have forgotten it by then.

What if someone cuts your finger off and walks around with it in a zip lock bag... like the Minority Report eye ball scene...

You can train the phone to use more than 1 finger.

Then you merely use a regular passcode, by the sounds of it. :)

I think it works on multiple finger prints.