It took me a minute to figure out how this works, but it must have something to do with using a "lost password" email reset on the iCloud account, and having the relevant email account logged in (or saved to the password manager) on the phone itself, so that all you need is the passcode to get into the iCloud account. Something like that?
I still can't figure it out. My daughter had her iPhone stolen in L.A. — she immediately wiped it remotely. The thieves were unable to access it. I got her a new iPhone pretty fast (the budget one) and she was back in business, back in her iCloud account. (She was one of those that saw her device head to Asia. She got a handful of text messages pleading with her to remove the stolen device from her account but she ig…
What, the guy just jumped into the Pacific and started swimming?