"Phones require a fingerprint or a selfie..."

Mine don't, and if they ever do, I'll not use a phone. I don't use any form of biometric ID, and I won't ever if I can prevent it in any way. I don't use Google anything, particularly not Google Pay. There are no excuses, there are only reasons. If I get scammed, there is no excuse and it's not the scammer's fault. It's my fault because I was vulnerable.

I have learned to avoid being vulnerable by having a great deal of wealth stolen from me. I was the weak link. I am unwilling to allow what I have to be stolen again, so now I do not do things that can enable thieves to take what I have from me.

It's not being negative, it's being responsible. You lock your door when you leave your home, right? It's just common sense.

"We just need to be a bit more positive..."

You may find it difficult to be more positive if you suffer theft of what you value very highly. On the other hand, if you have things you value very highly, you will feel very positive about having them, so not having what you have stolen from you increases how positive you can be. The best way to keep feeling positive is not to have things stolen from you, or to be victimized by criminals, so I hope you consider carefully before putting information out on the internet that can be used by clever thieves to take things from you.

Be well.