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My guess is that it will be an opt-in service: "Do not authorise any withdrawals from my account unless accompanied by an iris scan verification".

So, it's up to the customer whether they want to make the extra step to protect themselves.

The alternative to Windows XP/Vista/7 is Linux - which is free.

An increasing number of cheap laptops (such as the eee netbook) are already bundled with Linux. Microsoft face a bigger problem than a reduction in the price of their OS if there is a viable free alternative (and as a recent convert to Linux I would say that there is).