Re: Lost in a foreign country....
Just as it would work for people who have an elastoplast on the thumb they use for their fingerprint scanner - they enter their passphrase instead.
There is even precedent - it is not unknown for a card issuer to telephone a card holder if the card is used in unusual circumstances, to request further authentication beyond the card and PIN themselves.
(Though of course you should not give any information in those circumstances, but instead ring off, ring a trusted party such as a friend, ring off and then ring the number on your card or bank statement. The idea of ringing a friend is to make sure than any would-be spoofer hasn't kept your line busy - this has been known to happen on UK landlines, I don't know if it applies to mobile phones )