Yeah, but there are and will always be people getting past that stuff--there's no way to beat 'em, only slow them down momentarily!
From what you said,
"Imagine one day no longer having to carry paper money or coins, all the money will be in a computer database, and with a scan of a fingerprint you can spend."
--I can only see it being easier to jack someone's identity, heh heh!
But yeah...funny!