New technologies always open new avenues to crime. Look at the proliferation of credit card fraud following the widespread use of debit/credit cards, especially at gas stations and restaurants where card skimmers were being used to great effect. As technology caught up, the crime shifted elsewhere. Right now the big thing is fishing checks out of USPS drop boxes to either "wash" the checks or get the ACH information from them.
Crimes like these are old as time, and will always exist. All people can do is MINIMIZE their exposure by being security conscious and cognizant of the fact that now days your phone is more central to everything in your life than any device in human history. Access to it should be treated with the care and diligence due to such a powerful object.
As soon as Apple, or any other company comes along with the "solution" to this problem, someone will find a new way to defraud people and the game starts again.
Remember.
Locks are for honest people (meaning, any lock can be opened by a brazen and/or skilled criminal).
Safes buy you one thing. Time. Time for someone to respond and stop the theft.
You can minimize your exposure to theft and fraud, but preventing it is almost impossible, and will happen. This is why I tell people that despite having the best security measures in place, you need to INSURE, INSURE, INSURE. Anything you are NOT willing to take a total loss on must be insured with the lowest deductible you can afford. Restitution is rarely recuperated from "natural" people. This includes identity theft insurance.
A reason you may need "Identity Theft" insurance