ignaloidas parent
FWIW it's a bit of a different game with TPMs than with secure elements in general - imagine how much would it cost a bank in credit card replacement costs if the firmware on them could be erased by anyone, making the card useless. That's not something that should be wipeable.
Sure, because the bank probably doesn't charge customers for the cost of the replacement card, so customers could get a free smartcard for other purposes. What do these cost nowadays?