Earlier quoted context omitted.
Right, but you understand why allowing access to unauthenticated voice is bad for security right?
But you understand why if I don't care about that, I should be able to run it, right?
But the point is, you are a power user, who has some understanding of the risk. You know that if your phone is stolen and it has any cards stored on them, they can be easily transferred to another phone and drained. Because your bank will send a confirmation code, and its still authorized, you will be held liable for that fraud.
THe "man in the street" does not know that, and needs some level of decent safe defaults to avoid such fraud.