GM

Bank card PIN can be up to 9999 or 999999 depending on banks. So in binary it would be 000011110100001000111111

Then your binary for Bitcoin is refering to what? Private key as binary? With the private key (xpriv) you have complete control of all sats in the wallet, if it's a lightning node use by many people, equivalent of a bank in Bitcoin, you have full access on the bank funds. VS card PIN you have limited access (max withdrawal per time/day/month) and only to one custom account.

If you compare card PIN with a lightning account, Secured by an access key or a password, it's not much better than a bank card.

It all depends what you compare, but yeah Bitcoin is superior in many ways, but it all depends how you use it in the end.