The reason why there's no physical hard disconnect available in settings comes back to what I said earlier, cost and convenience from the manufactures' perspective.
They don't want to spend 2 cents on some mosfets for HW disconnects, and they don't want to nag the user every time they plug in the phone to charge as that would hurt the UX. They want the device to sync up automagically to whatever device you're pugging it into. That's what USB was designed for, convenience.
Plus, if you nag the user every single time they plug in the USB with a security prompt, they will just get desensitized and instinctively click 'YES' all the time.
This whole thread is bizarre. A whole lot of fretting over an attack that nobody bothered to describe.
Which keystrokes are you talking about and on which OS does that attack work? I can't think of anything that would work on my iPhone.
I can imagine a phone sold with a readily accessible and highly visible physical toggle switch for power-only mode, giving consumers a discoverable built-in USB condom.
USB-condoms are a thing you know; average (and below) users know exactly what those do and can figure out how to use them in a few seconds. I bet if Apple's genius marketeers would come up with a catchy name (like the i-Safe, but cooler) those would easily sell at 3,000% the production cost. But they never will because they tarnish the brand, and make the users think their devices are not safe by default.
But then, if the device are indeed not safe by default... are we talking about criminal charges here? Would it be fraud, or what is the name of the crime where you knowingly sell hazardous stuff to the public?
But that fallback to 5 watts is still valuable in a hostile environment (which is, sadly, everywhere these days).
Affordability, convenience, security. Choose two. It's not patronizing, it's how the consumer electronics market works and how consumer vote with their wallet.
Consumer device are sold with USB cables that pass data and power lines for cost and convenience, so they can also transfer data while also charging their device with the same cable that came in the box and not have them go out and buy another cable.
Can you imagine being sold a phone who's cable only passed power lines and not data, "for your security"? The consumer confusion and outrage would be massive.
The solution is using a USB condom which only passe through the power lines, not the data ones.
Just like the internet and TCP-IP, USB was designed from the start to be as cheap and convenient as possible, before anything else, to get market traction, which it did. Security concerns came much later.