FWIW, I'd want there to be stricter rules for my phone than for my car. Yeah, my car might cost more, but it's insured, and there's nothing in there other than my name, address, phone #, and registration number, all of which are public data or the next thing to it. My phone contains much more compromising data, plus the ability to impersonate me via text to anyone that I have saved as a contact. If it's a smartphone, it's even moreso. If it's an iPhone, it's even moreso moreso.