It's completely different when you're relaxed (maybe having some fun), and the person asking for your phone is someone you know.
In a relaxed social environment, you will probably not be that rude to someone you know.
If I ever get a job in that sphere, I'll let you know.
Perhaps I might phrase it slightly differently depending on who it was but the sentiment would be exactly the same[1] - a blanket refusal.
[1] Nowadays - back when I was on the Nokias or SE phones, sure, use my phone as a calculator, go nuts.
No one has touched my phone while it was unlocked since middle school.
For me, the principle is I never divulge credentials, but I trust people I know. Therefore I see no conflict with adding my wife's fingerprint to TouchID, for example. (though it's not worth the effort of re-enrolling her every time I get a new device or a new screen or reinstall from scratch, so that's long lost).
“Does your phone have a calculator? Mine’s in my bag and I need to add these values real quick.”