What if your standing at checkout with the red card app ready to go but it asked for the last four digits of your card so you called your spouse to read you the last four digits of the card while you cursed the very idea of the red card in the app if they are going to require biometrics and occasionally ask for the last four digits I mean really why even have the app if you need to carry the card right?

But then you get the last four digits and enter it and it says "please check your email for a unique one-time password".

What then?