You're arguing for why people shouldn't buy a ham for prepping without a license or weirdly arguing that someone who is totally unprepared should've just happened to have a garmin on them. Realistically most people aren't toally prepared. A wife went to a remote cabin with their husband who is a ham op and has a heart attack, someone falls off a cliff while taking a photo of someone with their phone and the only thing is a mobile vhf/uhf radio in their car, etc etc etc. there are countless reasons why someone unlicensed might end up needing to transmit on amateur bands in an emergency, which again is why it's vague. You're claiming its not even though FCC enforcers themselves have said otherwise, so you should probably go argue with the fcc instead of strangers on the internet.