Step 1: Confirm victim is out of cell range. Step 2: Sob story about how you lost your cell phone. Step 3: Fake ID / Social engineering. The five day wait wo

Step 1: Confirm victim is out of cell range. Step 2: Sob story about how you lost your cell phone. Step 3: Fake ID / Social engineering. The five day wait would work well, though it doesn't protect against "I stole the phone and I yanked the SIM or looked at the push notification" attacks.