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I Cloud Apple ID Takeover
If a thief gets your phone and they change your Apple ID password, you may never see those photos again. Most people like it's literally just quote unquote on their phone. So yes, that's why you should have backups. But also that's why the sort of I cloud Apple ID takeover is something that should not be possible by shoulder shuffling somebody's one, two, three, four unlock code. Because that's too, that's a bridge too far. Yes, maybe they can get into your apps, although the good banking apps will require face ID and won't let you use a passcode. None of those things are as valuable as your whole lives with the photos of