There's always something that can happen in any scenario. Social engineering, hiring locals, deeper forms of identity theft, or worse. The possibilities never hit 0, they just become a lot less profitable (and a lot riskier) a scam to try to run.
Yes, locks aren’t there to prevent the determined thief. They are for the 99% of other opportunists that will move on to an easier target immediately when they see your lock is harder to defeat
