As far as facial recognition on Kinect, I don't mind it as the keeper to my gaming system, but simply having my face unlock my bank account suffers the same problem as a finger print. Your face is on so many cameras every single day. A password should be kept private. Additionally, I'm a bald man with glasses, how many others with this description would be able to open my Xbox with their face? It is useful in combination with a password, but should not (and I would argue cannot) replace a password system of some kind.