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I think the problem is a balance between security and convenience.If you've been careless enough to lose or damage your phone, you deserve a bit of hurt :-)
If you lose your cellphone, you don't want to have to go somewhereI'm envisaging something like you (or the criminals) phone the service provider, they say "fine we'll send a letter with a code to the address we have on file, call us back tomorrow when you get it", they could even include a new SIM while they're at it. The criminal is therefore cut out of the loop (if they try to organise post redirection to intercept the letter, the post office will send notification of the redirection in the post before they actually start the redirection, so the criminals can't short circuit it that way.
with a certified letter and drivers license to confirm you are who
you say you are.
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