we should have miniature chips (microchips?) embedded under our fingers. we can successfully do away with all cards, ID, usernames/ passwords. The chips will be

we should have miniature chips (microchips?) embedded under our fingers. we can successfully do away with all cards, ID, usernames/ passwords. The chips will be paired with an external, device which can read/write data to the card. this device will be completely closed NOT just an app on your phone. I'm imagining something similar to those card readers the bank sends for online banking. in case you are wondering, There's no way i would adopt this technology... until it becomes mainstream.