Think about what would happen if Dumbledore (strong wizard, has all sorts of authority) cast Finite Incantatem on his desk, and the spell doesn’t include a “do what I mean, not what I say” security feature.

There must be thousands of spells in that general area. Even if for some reason the desk wouldn’t be disenchanted (which probably it wouldn’t, else casting Finite on someone holding a filled magic pouch or near a magic trunk would be very dangerous, and someone would have mentioned that in MoR), it still probably has dozens if not hundreds of other spells, and can thousands of magic items due to recursive space folding. Even if many of those are protected against Finite, they are so many in total that it’s very likely that a lot aren’t.

Now that I think about it, casting Finite on something you don’t know about sounds just as dangerous as casting a spell you don’t know what it does. (Basically, Finite means casting the reverse of a spell.) Very exploitable unless something automagically checks for corner cases.)