The problem with using biometrics at all is that you're conflating authorization with authentication. Those are fundamentally different (at least in the society we live in).
Biometrics are used for authentication - proving who you are (whether it works and can be duplicated is a different issue).Useful for a passport or driver's license.
Car keys, passwords, ATM pin numbers are a form of authorization.
For example, you may want to let your daughter withdraw money with your card or use your car. Biometrics can't be used for that purpose.
To put it another way, biometrics can support ACL-based authorization, but not capability-based authorization. However, since the entire world is using ACL-based authorization anyway, it's not a practical limitation.
Ok, but I think that would just make the other issues worse. Mind you, I'm an old cynic who couldn't get it to work, and you should never listen to old cynics. If you think there's something there I'd like to see what you come up with.