It's not paranoia. That would imply they aren't out to get you. They are. Leave the government out of it for a second. If someone's phone is stolen it's very likely their entire identity, a majority of their secrets, documents like medical ID cards, credit cards, etc have been compromised. This is akin to "getting a warrant to a safe" (which in reality is just court-ordered theft) and it will completely destroy a person. In the context of the discussion if you were able to break into a dead person's phone you could very likely build a complete picture of their life. Perhaps one they weren't interested in you knowing about.

I'd prefer to avoid those situations. First, by not making myself a target, and second by protecting any and all data I have the best I can. I rarely think about it but I know if my phone is stolen, my computers are taken, or I get caught up in a fishing expedition the threat surface is extremely limited (provided the information isn't beaten out of me).