Comment by LoganDark

I already have a very long password. I object to unnecessary extra layers -- you can rely on secure hardware via the system if you must authenticate me again, but do not pretend to become your own steward.

Most of my apps that decide to ask for their own PIN (e.g. Klarna, Privacy.com, myFICO) have some deterministic garbage that's easy to guess because they provide no real security. I refuse to entertain security theater with real secrets. (real secrets = ones I don't remember)