I can't even spend $3 let alone $3k on the App Store without biometric authentication and my kids are grown and gone. Why would someone change this? Handing a

I can't even spend $3 let alone $3k on the App Store without biometric authentication and my kids are grown and gone. Why would someone change this? Handing a 10 year old your AMEX and dropping them off at a mall is a bad idea. This is the same thing, on an iPad.