Option number 1 is not really an option but rather a lock down of one if the major selling points of the phone. Option number 2 is more manageable.
Here are the simple steps to help save you time and money.
Step 1: go to Settings
Step 2: go to General
Step 3: go to Restrictions
Step 4: go to Require Password and change from 15 Minutes to Immediately
Note on step 3, if you have not setup a 4 digit pin, you will be asked to do so. Make the pin something you easily remember as you will need this pin to change or set any restrictions going forward.
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