Who needs an NFC chip when you can just place a nail shaped NFC sticker on them and gel paint over them? We don’t need implantables; those could get copied anyways and cause the need for unnecessary surgeries to replace them as well.
Buy the tags; apply them to your nails and paint them any color you want; pair them to your phone and use appropriate username + password + 2FA + Fingerprint combos to authenticate to your financial institution.
Lost a nail? No big deal. The tags don’t carry financial data; they just provide a URI to the merchant; which can ping your phone/smartwatch and ensure that you are:
Present at the location.
Not too far away from pay terminal.
Have not signaled to your devices you are under duress. (Spoken keyword and/or excessively stressed biosigns)