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If the perp has both the phone and its passcode ( without Stolen Device Protection activated), they could reset the Apple ID password, turn off Find My, possibly steal payment info or passwords ...
Apple introduced new security settings in the iOS 17.3 developer beta to prevent thieves from entering passcodes to get your info including account passwords.
Apple's new security feature, stolen device protection, prevents iPhone thieves from using your passcode to access critical iOS features.
While you can already use your iCloud account to store and sync passwords across your devices, it wasn’t easy to figure out. Passwords were available from the Settings app on your Mac or iPhone.
After the shooter's phone had been recovered, the FBI asked San Bernardino County, the owner of the phone, to reset the password to the shooter's iCloud account in order to acquire data from the iCloud backup. However, this rendered the phone unable to backup recent data to iCloud, until the new iCloud password was entered.
Apple Accounts and passwords can be retrieved by answering account security questions on iForgot or by resetting from a trusted device with iCloud enabled and an unlock passcode set.
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