It is literally a tap to enter nfc pad. There is no need for ANYTHING listed in those permissions.

Bonus points for us having to register with our real names, phone numbers and addresses for access.

This is the other part I was looking for!

Seriously, ladies, we don’t get tired of them.

My problem is, even if it’s encrypted, only local blah blah blah, if your Microsoft account is compromised, what then?

I worked on account services for msft. The amount of people with compromised accounts is astounding.