Imagine this same comment but with your car. People can’t just walk up to your car and drive it away specifically because there is a key that allows the key holder to verify they are authorized to drive (yes obviously someone can steal your keys but that’s the idea anyway)
No one accuses car manufacturers of monetizing human clumsiness and generally speaking the system works pretty well.
Since the dawn of time people have stolen and misplaced things. Please don't give Apple any bright ideas about monetizing human clumsiness.