All three factors have different security properties. The big downside of biometric factors is that they can't be replaced when compromised. You can't play language games and say "oh, I technically /have/ fingerprints" and pretend that changes their security properties.
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This is simply untrue, and anyone who follows this advice will fail a NIST audit: https://csrc.nist.gov/glossary/term/multi_factor_authenticat....
All three factors have different security properties. The big downside of biometric factors is that they can't be replaced when compromised. You can't play language games and say "oh, I technically /have/ fingerprints" and pretend that changes their security properties.