>- Perfect: A human guard manually taking a fingerprint reading. Can't be beat because the guard can obviously see that it's not really your hand.

"Perfect" is too strong a statement. This is only true if the guard very carefully checks every fingertip to ensure nothing is glued over your normal fingertips, and even then it's possible to distract the guard or rush them with a socially-engineered premise. Or just bribe or blackmail them.