This might be the first semi-plausible consumer use case for smart cards as a second factor. One could, reasonably, conceal a smart card as a health insurance (

This might be the first semi-plausible consumer use case for smart cards as a second factor. One could, reasonably, conceal a smart card as a health insurance (EHIC) or debit card and pass otherwise adversarial border controls with them. This, of course, is a rather fictitious scenario.