You said public charging which is not unpaid for workplace chargers. In my experience when a public charger has 2 cables, generally but maybe not all, have type 2 and CHAdeMO charging cables
In terms of locking, I have had 4 plug-ins all using Type 2 connectors. (2 Merc, 1 BMW & a Range Rover) and all locked the cable which had to be unlocked by opening the car locks.
Which EV’s have you had that allowed you to disconnect the cable when the car is locked and how do the chargers shut off mid charge - all the chargers I have used over the last 10 years shut off mid charge when I unlocked the car. If you could remove the cable mid charge whilst the car is locked what would stop someone disconnecting a public (not workplace private charger) whilst the car is unattended. In your scenario, you could park the car, put on charge for a long journey and find out someone has disconnected your car with no charge.
If it bothers you so much, why not just use the App to unlock the car remotely - that will interrupt the charge.