It's a problem, but not my main concern
As the aforementioned "typical user" allow me to respond:
Sure, that’s annoying. But I can call AT&T and have them cancel the service on the phone.
But I don’t have to worry about my 1Password data, my email passwords, my OmniFocus info, my calendar and contact information from my address book, etc.
My iPhone a lot of important data on it. The ability for someone to use it as a phone is fairly minor.