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Somewhat fucked, but not to a terminal degree.
Privacy: The thief would gain access to graphic material of my girlfriend and I doing naked things that would confuse grandparents and excite therapists.
Security: My phone is logged into my emails l, so I'd have to react quickly to cut it off.
2fa: No issues, as I can easily migrate to a different device.
Billing: No issue. It takes 5 seconds to block the SIM.
My main concern is the short-lived email access they would gain. While the inbox does not contain anything horrible, they would be able to reset some passwords, so if my phone was stolen my number one priorities would be to get it my PC to lock out and erase the phone, change mail password, and check All of my user accounts whether they'd been compromised.
How exactly? This ability would seem to negate any benefit or security of multi-factor authentication.