FYI: In a related thread (Apple Responds to Report About Thieves Permanently Locking Out iPhone Users), the following concept was posted as a potential approach to prevent a user from being permanently locking out of their own Apple account by a thief.
Interested readers here may wish to add their perspectives by replying within that thread.Pleonasm said:Although a thief with your iPhone and passcode could reset your Apple ID, it would still be possible for the owner of the iPhone to recover the Apple account using the recovery contact. Why? Because the thief is prevented from removing the recovery contact, which is protected by the Screen Time passcode and which cannot be reset/removed using the Apple ID password.
- Setup a recovery contact (Settings | [name] | Password & Security | Account Recovery)
- Setup a Screen Time passcode (with passcode recovery disabled; Settings | Screen Time)
- Secure access to Account Changes with the Screen Time passcode (Settings | Screen Time | Content & Privacy Restrictions | Account Changes = Don't Allow)
Ultimately, the goal is not to prevent a thief from resetting a user's Apple ID - rather, the goal is to prevent a thief from permanently locking out a user from their own Apple account. I encourage the community to critically examine the above (hopefully helpful) approach and to determine if flaws exist.