They’d need a crap ton of money to throw at it lol, especially if the cheese makers decide to use Mifare NFC tech. That relies on the chips being signed using a write-once private key, and optionally also returning a kind of OTP that is only known to the NFC chip when it’s sent a special command or “challenge”.

Transit cards and contact less/chipped bank cards rely on something similar to prevent cloning (although Bank cards are actually running a Java-based OS, and can perform more complex calculations, or even just applications as programmed by the bank)

I’d be shocked if they picked some insecure type of nfc tech lol, or relied on the chip IDs which are easily cloneable