Play another hand

You silently have a seat, and wait for the deal. It can't get much worse, so why not? Without much talking, Kathy, Beth and Jenna all sit, and Jenna begins to deal. Kathy starts with a queen, Beth starts with an ace, but Jenna starts with a 3, and you get a jack, giving you some hope. On the second round, Beth gets an eight, and Kathy gets an ace, ending your chances of seeing them naked. Now all you can do is hope and pray that you manage to get your clothes back. Jenna's card comes down... a ten. You close your eyes, and open them to see the card in front of you... a 2.

"No... that can't be possible." You say, as the three women laugh at you.

"Oh man, you have the worst luck." Says Beth, as Jenna whispers to Kathy, who then leaves the room.

Jenna stands to her feet with a smile. "I told you you would get to choose your forfeit, and as soon as Kathy gets back, we can give you your options."

The wait seems like an eternity, as you sit, naked, your shrunken member exposed to two of your very good, completely clothed friends. Kathy eventually comes in, her hands behind her back. Jenna nods to her, and she speaks.

"So, for your forfeit, you can either..." Kathy pulls her left hand out from behind her back. In it is a tiny pair of pink panties. "put these on, and wear them while playing another round, or..." she pulls her other hand out, revealing your phone. "you can simply unlock your phone for us."

You look back and forth between the two options. Which one do you choose?