If you have GrapheneOS, I'm pretty sure you can randomize the numbers on the pin. You can also set a password instead of a pin and disable biometrics if you use stock Android. All the more difficult to obtain access.
For banking/crypto, I assume a wallet app would allow you to set an app password/pin.
I don't think the founding fathers could have EVER anticipated the amount of corruption that could occur.
"I believe farther that this is likely to be well administred for a Course of Years and can only end in Despotism as other Forms have done before it, when the People shall become so corrupted as to need Despotic Government, being incapable of any other."
this didn't work