You're talking to somebody who still has a receipt for a set of $1.50 nail clippers I bought in 1986 that said they had a lifetime warranty and should they ever fail you can bet I will send them back! ;-) For electronics I keep receipts with my important papers such as my passport until I no longer own the item.
That aside, you're also seeing the result of increased fraud and theft. Many iPhones used to get stolen and were easy to reset by thieves. Then Apple introduced Activation Lock with no official resetting policy. You might have been able to get it done in a store at the discretion of the manager. The manager could do it if they felt you were telling the truth and not just making up a story, or if they hadn't had their morning coffee yet they could just say no regardless of any proof you might have. To make things fair but also standardized Apple made resetting official, online only (no depending upon the mood of a store manager), and formalized. It works both ways and unfortunately the current system works against you.