Other than tracking my wife and kids or finding mine in the car or couch, what good is it when someone who finds your phone just have to reset it to use it? My cousin left his phone on a coffee shop counter, 2 minutes later it went straight to voicemail and find my iPhone could not locate. The phone was locked but they must have turned it off as soon as they grabbed it and later use iTunes to reset the phone. I am sure Apple could make it impossible change or disable it unless you can prove you own the phone once you set it up and password lock it. Or even better track by serial # so it can be found anytime it is ever used again. Would anyone else pay an insurance to apple if they could always locate you phone if it is stolen and they try to use it again?