I had the same problem with Face ID. I don't think it uses light in the room, it's infrared lasers?I got to the screen to activate Face ID on the new phone, and it would not focus on my face. It said move the phone lower, so I did but then my face was out of frame. I made sure there was plenty of light in my room, but finally I was able to find an angle where it worked.
Next, it wants me to activate all my credit cards in my Apple Wallet by providing the CVV code. First card is up, and I take the card from my wallet and type in the CVV code. "Invalid Card: Check the information aon your card and try again." Ugghhhhhh
I'm skipping it now and will add it later, because I'm sure I'm entering the correct 3 digits lol.
I also thought the same thing about credit cards in the wallet. Not the right time. Thanks, that reminded me to set em up now.