I meant as a post-failure thing much like legacy banks having seen @admdly s post.
I think my only other concern is that I don’t think this should be used for every transaction, just for limits and fraud. I can see people would think this is great for everything but I can just see this being annoying for ourselves and other people queuing behind us at checkouts whilst we mess about getting our phones out to authorise transactions!
Plus there’s always the danger of the dreaded dead battery. Anyone who uses Android/Apple Pay and found the frustration of a dead battery, imagine then not being able to use your physical card too because you’ve set it to always require authentication before you buy anything!
Fortunately, I’ve not had a decline on my Starling card so I wouldn’t know what it does, but I would hope that it would do something similar to Monzo and keep the transactions in your feed, with an explanation if possible. Like when my Amazon Dash buttons fell off the cupboard and decided to try and order £50 worth of Lenor Unstoppables which ironically were stoppable by Monzo!