Apple needs to return the fingerprint reader to the iPhone. For myself, I turned off Face ID on my XR and I’m using the access code again to unlock. Face ID isn’t terrible in day to day use pre-Covid 19, but it fails when I’m wearing a mask and even when I’m not it often fails at the most annoying times. Using a pass code is a sure thing and less subject to abuse.
I would still use a pass code to unlock the phone even if it had a fingerprint reader, but I would use the fingerprint reader for ApplePay and Apple Store, etc.