If I were to steal someones phone in public I will assume they have at least a bank app and multiple apps with their card saved for easy buying. By the time they get access to another device or their banks I get enough time to do a lot of damage. I can also save some credentials for later access after the waters settle. I doubt my victim will go through each of their accounts and change passwords. Most users use a Gmail account which has multiple ways to get access back, and most users don’t know how to check them and disable what they use and not use. I can easy setup a sort of backdoor in their email and gather more important information.
You never know what important information you might store in your Github account. You have a donation link in your description? Would be a pity if I would change that link to my personal bank account and just divert some fund back in your bank account to not raise suspicion.
Cuz based on the type of accidents, it probably wouldn’t make sense. It is just adding extra cost.