Unlike your banking website or other critical software, if you find an unlocked phone there are no barriers put in place to make sure it's really you who wants

Unlike your banking website or other critical software, if you find an unlocked phone there are no barriers put in place to make sure it's really you who wants to send a text message. I don't think those barriers should be there, but if anyone can potentially send a text message on my behalf then you can't automatically ban people with no investigation or ability to appeal somewhere.