I am losing things constantly (laptops, phones, documents — damn you, ADD), and I wouldn't want to be locked out from my digital life just because I lost another piece of paper or device.
In compensation, my symbolic memory is excellent — never had a problem with memorizing long passwords.
I don't know if Apple does this, but Google's 2FA (and others) gives you static (printable - or memorizable!) backup codes in case you lose your device.
Challenge accepted.
The point is, yes, YMMV, but there is plenty of solutions. The problem with MFA is that every MFA account comes with a static backup code. You ended up reopening the problem asymmetric key / public-key infrastructure was supposed to fix.
And it's not going to be worth the time or trouble to try to design a system that accommodates you, unless you're also a multi-billionaire. Any user-facing system will fall down when faced with certain extreme outliers who violate its basic assumptions; so long as the system works well enough, for enough people, that's not a bug.