I've tried to set up contingency plans for the cases that I lose access to my:
- phone (which contains Google Authenticator with plenty of important logins; unfortunately some of my 2FA is still based on SMS)
- my laptop
- my Yubikey
- my wallet (with ids and a credit card)
due to theft, damage (house burns down) or simply loss.
Another under-appreciated risk: losing my memory (my master passwords are only in my mind - what happens if suffer a head injury and forget?)
Redundancy is one countermeasure: Have more than one bank account + stock portfolio, more than one credit card (servers might go down if a credit card is blocked) and physical devices (phone, laptop) in store to stay operational in case of an emergency.
Full machine backups + regular uploads "to the cloud" for raw data; occasional transfers to (multiple) external hard drives.
I don't think there is a way around a safe physical space with printed backup codes on it. Ideally not in the same house - maybe with a bank?
A list of instructions for numbers to call for account recovery or blocking. Which information will I have to provide?
In a similar vein: what happens to my data after I die? How would my (non-technical) family be able to access my pictures and writings? A digital inheritance would be prevented in my security set if I don't prepare.
This space is fascinating to explore, the zeros and ones people have stored on their devices are incredibly valuable to them and this treasure is poorly protected. Generally speaking: No backups, weak passwords, outdated software, old hard drives ... risks abound
Google surely has very capable security people, but right now my account there is the central vector of attack, most of my passwords can be reset through my email, a huge portion of my communication runs through Gmail, Whatsapp is backed up to my Drive, most of my pictures are on Google. It's probably a good idea to disentangle the situation a bit to be prepared for the case that Google's fortress gets breached one day.
Without compromising your security - I'd love to know how others approach their personal IT security challenges?