"What happens when your prints are duped once?" Most of us don't live in a James Bond movie. (1) If someone has my fingerprints they still need my phone to do

"What happens when your prints are duped once?" Most of us don't live in a James Bond movie. (1) If someone has my fingerprints they still need my phone to do anything. (2) Even with my phone there's a good chance it's worthless unless they also have my pin. (3) Stealing my phone has also become worth much less unless you have my prints and the followthrough to make fake ones and again they'll want my pin in most cases because you only get 5 failed attempts with your fake prints. (4) All of that takes time, during which I may be able to remote wipe my phone, making the whole exercise worth even less. And it takes money, again lowering potential returns. It's easy to imagine (numbers pulled out of ass) that a thief could get a few hundred bucks for a 5C (no touch id) but say half that for the more expensive 5S. Maybe that won't hold up for various reasons (hey thieves will work hard to make those stolen 5s's worth more) but the principle behind multi-factor is sound.