While I agree that the app is not secure in any way because you could still access files over USB and send commands over adb, Jenny is right. It’s not that easy to defeat SmartPass Lock NFC. The timeout when you hit the settings button before it throws up the lock screen again is about 500ms, not enough time to navigate a menu and disable the app. The timeout does come in handy in case my NFC is acting up. If I can’t get it to read my implants because something has frozen NFC, I have added a link to the NFC settings in my notifications bar and I can quickly navigate and toggle it off/on
It’s more than enough “security” for most people