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You are using other users' (mobile) bandwidth to do the transmission, and apples server resources to brute force/ddos request the data on the other side. I can't see them condoning this at all and simple not responding negatively to it could encourage this misuse. I would expect that kind of response from Apple.

On Wikipedia it says that Find My is enabled for certain third-party accessories [0], so you could probably join if you wanted.

[0]: https://en.wikipedia.org/wiki/Find_My

Why would you be afraid? According to HN Apple is not a monopoly and plenty of viable alternatives exist. /s

I'd be afraid of losing my house, but it's not the only place I could live.

...fearing losing access to your Apple ID has nothing to do with whether Apple is a monopoly or not (and of course, they are not).