Major headaches with Revolut and N26 after phone got stolen

ClubMan said:

I'm confused. How would you not know if that happened?

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Are you for real? Have you never been inebriated? Don't you have the foggiest of how pickpockets are adept at plucking phones and other items stealthily ?

No need to fight over it. No matter how drunk I was, if someone snatched it from my hands, I would notice. But if they took it stealthily from my back pocket, I might not notice, no matter how sober I was.

Sometimes I take out my phone, unlock it to do something, then close the cover and put it back in my pocket. In that case it will remain unlocked for, say, 20 seconds before self locking. Other times, I remember to hit the power/lock button before putting it back in my pocket.
So, in the first case, if a pickpocket can swipe my phone just after I put it in my pocket, then I'm in big trouble. Maybe that's what happened to dubliner8. Could happen to anyone.