We will have to disagree on this. Whether you think Apple can be held accountable in this matter in a lawsuit can succeed is anybody's guess and whether they make any changes in the future also remains to be seen. I think you are too optimistic Apple can lose a lawsuit like this.I can do all that, turn on end to end encryption on my iCloud account and switch to hardware keys for 2FA. But if anyone obtains my passcode for any of my Apple Devices they can lock me out of all of them with just that passcode.
That is a huge flaw in Apple's security model. Unlike some people here I do expect Apple to fix it. I don't expect them to admit it is a huge flaw though because they will be expecting to be sued. If the woman in the WSJ video didn't have a lawyer before the video was published she does now.
Be aware of your surroundings. Use a screen time password to lock out account, password, location and sharing changes. Use a good password and only use biometric authentication methods in unfamiliar surrounds. There is no way reduce the risk to zero for any phone, or to prevent assault and robbery, but by using your common sense, situational awareness the risk will go down dramatically.