I have two credit cards in my physical wallet and an ATM card. Unlike AP the cards are not password protected.Not exactly.
I have three cards linked to AP. Aside from that I also have most of my financial stuff via app or web page and guess where those passwords are keychained.
So yeah, if a thief got my passcode and phone, Screentime or not, they could do some serious damage rather quickly.
While I figure out a way to better safeguard this, I suppose the fact I mostly take my Android with me instead of my iPhone is a plus.
The keychaining of banking app passwords is a potential issue and so is storing sensitive documents on iCloud.