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Here's a better idea: how about NOT making phones such stupidly high value items where thieves can access your bank account, make an instant loan and steal that, too?
Doesn't your bank need 2 sets of creds to log in? Mine does.
also, i like my phone to be fast. If i wanted my phone just be a cheap thing, i'd buy a second hand google flagship from 3 years ago and flash with custom rom.
With my phone being high end, comes the risk of theft, like with virtually anything high end (watches, ice, etc)
That's irrelevant when the mugger is holding a gun at you and telling you to input the passwords.
There's a significant difference between your phone being stolen and this random scenario you just made up.
This is literally one of the most common scenarios in Brazil. The city of Sao Paulo alone had over 103k cell phones stolen in 2023, almost every week on the news there's a story about someone being forced at gunpoint to make a bank transfer before the criminals flee with the cellphone. In other situations, the victim is taken to a bank agency and the cash is drawn to the daily limit from a ATM (lightning kidnapping as it's called here)
Be thankful this kind of shit doesn't happen where you live
You're missing the forest for the trees. It's one thing to have your phone stole but it's another completely and unrelated thing to have someone force you to do something on your phone at gunpoint.
How the hell is any type of security system ever going to be able to help you in the scenario you described?
In case you don't know what your type of comment is called, it's "moving the goalpost".