If someone had copied your door key, and was breaking into your house each week to look for food, then you probably would want the police to change the lock. Or at least let you know you need to.
This just strikes me as a regulatory issue - we have to be able to trust our online services. As such, the level of security needs to be upped by fiat. Its not a popular idea but a FIDO key for everyone in US / Europe would be within the bounds of feasible in next 10 years. Hell just SMS 2FA would massively cut back on this.