The problem is that Apple engineers and PM's are not used to living in third-world countries, where your life is way less important than your phone. When you do

The problem is that Apple engineers and PM's are not used to living in third-world countries, where your life is way less important than your phone. When you don't have to face that kind of challenge daily, it is difficult to think of such a solution without people mocking you for being paranoid. I understand, and they are not wrong for not thinking through all the brutal scenarios that real life likes to play out. But I believe that engineering teams that have a security focus should have at least some consultant from areas where violence is normal. So, effectively, all scenarios they think about is normal theft: forgetting the phone someone, or someone snatching the phone from you. They never think about someone sticking a gun to your face and forcing you to unlock the phone so they can run away in a motorcycle, while depleting your accounts. A distress code could be extremely helpful for bank institutions to flag every transaction post-distress. And locking your digital accounts (iCloud, DropBox, etc)