I tend to agree, but there is that "ease of purchase" on many phones and devices.
Too easy.
Slightly off topic...
I can't speak for the iphone, but I would bet every penny MANY smart phones and similar devices "accidentally" navigate themselves to "specific" areas. I once had Verizon chocolate touch, I also had limited GB's of web use (with an additional charge for overages) Wouldn't you know it, with the screen lock in place in my pocket I can't tell you how many times I found it surfing the web. I had so many overages I finally migrated to AT&T over this issue. Come to find out my girl's friend had EXACT same issue, same phone. (and yes, we knew about the optional limitations and contingencies)
If they can "sneak" a few MB's of overages from thousands of people, that can translate to $millions$.
Don't tell me these devices/programs/interfaces aren't designed to automatically lead to certain areas, generally ones that cost.
Its shady manipulative business tactics.
Sure people should monitor/teach/ and inevitably be held accountable for all that happens under their roof. But anytime credit/debit transactions take place, passwords need be instituted, period. No "15 minute window" or pass through.