That Thumbprint Thing on Your Phone Is Useless Now
defenseone.com
defenseone.com
Even if my fingerprint data were out there, that doesn't really help get into my phone if it's casually stolen. The thief won't know who I am, so they won't know which fingerprint to try out of the millions of possibilities. They only get five attempts.
As always, you have to define your threat model. My phone's fingerprint reader protects me against common thieves. It also protects me against the authorities to a pretty large extent. As long as I have the opportunity to turn my phone off beforehand (I always do this when going through customs, for example) then the fingerprint no longer works to unlock my phone. The ease of use that the fingerprint reader provides for most usage allows me to have a much stronger password on the device than I would have otherwise, so I'm pretty sure it's a strong net gain.
It doesn't protect me against a determined adversary who targets me specifically, but then I already knew that. Fingerprint authentication is far from perfect, but it's not meant to be anything else.
Nobody is going to be lifting fingerprints off of pint glasses to unlock a phone unless they think there's something really valuable on that phone, and that means "a determined adversary who targets me specifically."
Don't keep nuclear bomb plans or thousands of bitcoin on your phone if you're going to protect it with your fingerprint. But mundane e-mails and such? Good enough for me.
So your fingerprint authenticates you to provide your password.
Right now implementations are for fingerprints as passwords.
Usernames are easy to guess or find out, so in that scenario, the fingerprint scanner would go to waste unless you used a weird username.
Not only can biometrics not be changed, unlike a password, but they cannot be withheld from a would-be accessor in the way that a password can (until mind reading becomes a thing, that is).
I don't know how true this is, but it feels like biometric authentication for consumers has sucked the oxygen out of attempts to create convenient but secure authentication that doesn't have the same flaws (I don't know what a potential system would be, but there have to be better alternatives). Lazy reliance on biometrics will, I think, make us all a lot less secure.
As far a bad authentication, this bothers me far less than when people (and this includes banks!) use my birthday, residence history, or other easily mine-able information to establish identity.