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under screen fingerprint readers (USFR) have basically no accuracy problems? I find that mine rarely struggles to read my fingerprint, and the one on my Ipad (on the power button) sometimes doesn't register the first time either.
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the USFR DON'T need to scan all the time, they can just wake when YOU TOUCH THE SCREEN! It's basically the same for ALL kinds of fingerprint readers, so it's a non-issue.
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well, I concede that point
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cost comes down with scale. Also phones are ridiculously expensive nowadays, the cost of the sensor doesn't have a huge impact on that.
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fingerprint readers can scratch as easily as the screen. People are much more likely to make sure the screen does not get damaged than the finger print reader.
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traditional finger print readers struggle when wet as well. Also your phone is basically unusable anyways, when it's wet.
I mean it comes down to preference, but I like the scanner to be under the screen. All the things you listed really speak against finger print scanners in general, why not use Face ID?
60% of lightspeed, according to another commenter.