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Yes if a proper cryptographically secure software solution is used which for some reason has proved difficult in the past, then attacking the hardware directly is the only option.
On the other hand, building a mechanical card insertion and removal device which you can control remotely would probably be easier and quite clever to say the least. Not as streamlined as having a private key, but a small electronics project should make it so a person does not have to directly handle the card but will still be able to retrieve it out of such contraption.
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