> the same way they unlock their devices: with a fingerprint, a face scan or a screen lock PIN
I am not a cryptographer: why would a 6-digit screen lock PIN with this system be any safer than a 6-digit numeric password on the web (i.e. not very)?
In order to exploit the 6-digit password across the web, the attacker needs 1) the password, 2) web access from anywhere in the world. To exploit the PIN guarding your phone, the attacker needs 1) the PIN, 2) your phone. You can't prevent the attacker from having access to the internet, but you are probably reasonably good at protecting your phone physically.
Generally, most devices don't encrypt/protect your data with that 6-digit PIN directly. They store the important secrets like device encryption keys in some kind of secure enclave/processor that does things like rate limit the PIN attempts to prevent brute-forcing. What the fingerprint or face scan is doing is just unlocking that secured data a different way.
I am not a cryptographer: why would a 6-digit screen lock PIN with this system be any safer than a 6-digit numeric password on the web (i.e. not very)?