My biggest gripe is that it’s done through a third party, Persona ID.

They make you agree to another set of terms and conditions which opens you up to even more 3rd parties.

I consent to Persona collecting, using, and utilizing its third-party service providers to process my biometric information in order to verify my identity for fraud prevention, in accordance with the Persona’s Privacy Policy. Your biometric information will be stored for no longer than 6 months.

Were this limited to just Microsoft I might have caved.