I would hate to lose a mobile phone and have some a-hole delete 100000 posts of other people.
So I made the mobile account.
If something like that were to happen and someone stole your account, your threads are safe as long as other people posted in them. You can't delete a thread containing posts of other forum members. You can only delete your own posts, move, or lock the thread.
IMO, if you are regularly in contact with a business contact, you can use email instead of PM.
There are, of course, other means of contact including Skype or social media. But I intentionally created a scenario in which I wanted the forum's PM system to be the only thing I wished to use.