Apple a ****

So I always had this thought that IPhone was the most secured phone and nothing can be done to it if lost or ******. Well that all changed on the 17th of June when my partner was ****** of her IPhone 12. We believed that we could trace the phone, but we couldn't so eventually we accepted that it was gone for go. Then somehow my partner funds started being transferred from her bank account to her Uber Cash. That's when I realized that the ****** mode had been by passed by the ******* and now they're siphoning my partner's bank account using the uber app, which the other completely disappointed in. I wanna know how is Iphone secured if the ******* can even bypass the fail-safe to do as they please and when we go to the Istore to prevent such they tell us about police affidavits. This is completely bull**** and Apple is just a ****.