Re: So how secure are 'biometrics'?
I'm not sure where you are banking. I have multiple US and UK bank accounts and precisely NONE of them have the security of my paypal, apple, or Microsoft accounts (i.e. dual factor).
See, sometimes forcible regulation brings good things. All Mexican banks offer 2FA, because they are mandated by law to do so. Pretty much every bank implemented some form of 2FA since 2007, and the last one that still used the corny "card number matrix" switched to physical real tokens sometime around 2011.
Meanwhile in the US, 2FA is nowhere to be found.