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Physically unlocking with NFC could be done without all the security holes.

Modern cars already make it much more difficult to lock your keys in the car than in ye olden days.

And the "did I remember to lock my car" remote-check functionality doesn't seem nearly worth the "now a hacker can remote-unlock my car" tradeoff. It's not like that "did I lock it" check helps prevent a "someone smashed the window and grabbed something out of it" scenario anyway.

NFC is vulnerable to relay attacks, so newer systems are including UWB (like AirTags) where the car can confirm the distance to the key fob
And the "did I remember to lock my car" remote-check functionality doesn't seem nearly worth the "now a hacker can remote-unlock my car" tradeoff.

It's completely unnecessary.

Modern cars automatically lock themselves when they sense there are no keys nearby, nobody in the seats, and the doors are closed for x minutes.

This is not true at all.
It is true. It is precisely how my car works. You'll have to do better than a one-line dismissal.
I have a 2021 BMW and a 2022 Hyundai - both electric. Neither of them work in this way. The BMW will try to auto lock and it works much of the time, but if you open the boot and then close the boot and walk away it will frequently not lock the doors. There is no feature for 'after X minutes auto lock'. The Hyundai can be set to auto unlock as you approach but has no feature to auto lock as you leave. We previously had a 2024 Nissan. This also did not lock as you walked away. I would pay money for a feature that does as you say, but I have 3 example of what I would consider to be modern cars that don't work like that.
> Modern cars automatically lock themselves

There are plenty of 2026 and if not already soon to be model year 2027 cars which do not have this feature available at any trim level.

That some cars have it does not mean "modern cars" as a whole category have them.

In fact, my several year older car does have it, yet my several year more modern car does not have it.

Your car is not all cars. Therefor, a one line dismissal is rather sufficient to counter your point.

Neither of my modern cars have that behavior.