There are (or were, anyway) smart guns on the market. It's just that nobody wants to buy them.

As far as your comparison with misfires and jams, well... for one thing, your average firearm today has MRBF (mean rounds before failure) in the thousands. Fingerprint readers on my devices, though, fail several times every day. The other thing is that most mechanical failures are well-understood and there are simple procedures to work around them; drilling how to clear various failures properly and quickly is a big part of general firearms training, the goal being to be able to do it pretty much automatically if it happens. But how do you clear a failure of electronics?