touchid sometimes fail due to grubby fingers. Can't malware spoof a "can't read fingerprint, please enter password" dialog?
I think window's UAC prompt actually solves this problem. In most cases you're just asked to click yes/no, but it also accepts password entry (if you're a limited user and need to log into a admin account). The way that you can tell the prompt is real is that the password prompt dims the entire screen, and (more importantly) the secure attention sequence[1] is blocked. If it's a fake prompt, it won't be able to block the secure attention sequence and the ruse will be exposed.