“The Zchus should be that people are more careful and learn to properly treat their tfillin”.
On first thought, people don’t needs reminder to be careful of their tfillin. They are careful as it is. It’s just that because you have to carry them around it’s hard never to misplace them.
But on second thought, there’s some logic here. People don’t usually lose stuff that costs 100000$ to retrieve (or rather they never do). So if that happens, there’s clearly a gap between how the halacha “feels” about sth and how we feel about it.