When Authorizing any type of Payment (your Money goes out) you should Always need to Authorize it personally. The alternative is that anyone can Take and Use your Phone and Spend Your Money until the associated Account is Empty or Overdrawn. Typing in a simple Passcode after a Double Click is easy, takes Seconds and makes your Hard Earned Money Safer than Cash or a simple Swipe/Tap. It also prevents your Phone, iPad, Watch or whatever Chip you use from being Read by anyone or thing around you.
You can disable at lest some of the Cards in Apple Wallet, our HomeKey doesn’t require any input (Confirmation) but We can Enable it.
I don’t like, want or use any Biometrics or Face ID. Apple Wallet states that I HAVE to Setup and Enable Face ID in order to add my Divers License, that’s why I don’t have it in my Apple wallet. It doesn’t make sense to me that a Passcode is fine for all of the other Cards but a Drivers License Requires the Least Secure form of Verification Apple has to offer.