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What's your game plan for replacing your retina or fingerprints if compromised?

Biodata is the least secure because it can't be easily changed and the technology already exists to compromise them.

Compromise isn't even the most common issue, it's your incapacity or death. Your relatives need some way to get into your accounts when you can't.

You can go, "here is the passkey to get into all my accounts" which would imply they don't lose the key and its not stolen. Or you can register their bio metrics into your whitelist and not have to deal with that.

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