Truscape

NFC with solely the phone, RFID using an android app and with a programmer attached via USB.

Creating programmable cards is exactly what we did at uni using an android app and a peripheral lol

Downloading an RFID/NFC spoofer app and loading a script from github?

Yes. Being a script kiddie is still much easier.

Sometimes IOT devices don’t make rational sense to install. This is up there with “smart” lightbulbs in terms of creating a vulnerability through convenience.

When I 3d print a plastic phone mount for my bike, that doesn’t make the base bike any easier to steal. This does.

Electronic mechanisms are more prone to people being able to be able to access areas without evidence of tampering using simple scripts from the internet, whereas lockpicking is not employed by most burglars. (And as stated previously, level of commitment is greater when destruction is involved, which deters most.)

Having a noisy break-in also means you are more capable of responding if the need arises.

If all you care about is deterrence, just own a shotgun and have a loud dog at home.

Anything personally important data wise has a backup stored in a container that won’t sustain liquid damage (and also acts as a faraday cage).

However, anything that is super-critical should the infrastructure around power, etc fail is just printed out as a physical copy on paper (first aid manuals, food cultivation/preparation techniques, how to construct and maintain water purification systems).

I’d argue that’s one of the least overkill ways to handle potential media restictions and geopolitical/climate disasters in our age, since all you need is a printer and maybe one or two secure cases for backup storage drives.

If they live in the US, medical debt and/or student loans will eat away at anything they’d try to set aside swiftly.

Depends on if that money is assets or income. Also depends if you have any outstanding debts.