I’m not an expert, but I had an expert explain that an unlocked boot loader is only risky if you think someone nefarious is physically able to get their hand on your phone. Is that true?

Could be. I worked at a diner with a credit card minimum, so lots of cash.

Those people already aren’t paying taxes on tips. When I waitressed, I reported all of my tips and ended up owing so much at tax season. When I complained, everyone asked me why I was reporting my tips.