Why does Apple constantly bug me for my password?

Episode 1247 (1:51:20)

Steve from Nashville, TN
Apple iPhone 6s and 6s Plus

Steve has an iPhone 6s Plus and he's being driven crazy by Apple constantly asking for his password. Leo says Apple has decided to be the security company, but what bugs him is that they already have a secure method with the fingerprint reader. Isn't that enough? He talked to an Apple Genius and they say it's a bug. But Steve Gibson says there's probably a method to their madness and it's by design.

Steve heard of a cool app called Smart 911 which has all of your personal information on hand so that if you're in trouble, they already have the details they need to send you a first responder.