When I gave my phone to repair shop, I resettled it to factory setting, but had the luxury of being able to prepare for the event.
What should you do in case of an “ unforeseeable” event?
If you didn't take any preventive action (e.g. full drive encryption or forcing password after boot), there's nothing much you could do. Your option basically only,
1. Change your account's password (for account logged in on your device) on different device.
2. Move your coin (if you have wallet there) to newly generated wallet.
3. Bring the phone to someone you could trust.
So how do you guys handle when there is an issue and you need to bring it your laptop to a repair shop or return it to the company? Assuming you can just check your hard drive which is to see what is the problem, isn't this already a big issue? Like imagine it just shows ledger live or electrum as an icon on you computer when they turn it on.
Just like @LoyceV said, remove the HDD before giving the device to someone else. If they ask why the HDD is missing, you could say you need the data for urgent work and ask them to use their own HDD/USB drive for testing.