Banking; voice recognition ID

I don't like this so won't use it
I worry that if I have a bad cold it may not recognise my voice and I won't be able to access my money!

Since my phone can't/ won't recognise my fingerprint to login I am reluctant to take technology any further.

No.
Will not use this unless forced.
Have avoided it on the phone so far!

I have it with one account I have but I prefer to use their alternative option of facial recognition. I’d feel pretty daft speaking their desired phrase while out in public!