You can also just hold the power button to bring up the power menu which includes a Lockdown button. This disables biometrics and will require a PIN to unlock.
This should work on any Android device, but definitely works on my Pixel. The shortcut might be different for different devices, though.
I dunno about everyone, but after a certain age definitely. 70 seems good, maybe slightly younger. Once you're retiring you probably need to be reassessed and then regularly reassessed as you age.
My mum is mid-70s and I think it's kinda insane that she passed her test in the 1970's and is still able to drive legally. She's got a much larger car than she's ever been used to and can barely see over the steering wheel, and her reactions are terrible and she's increasingly hesitant (which is often what leads to crashes).