Most of those tools suck. For instance I got a yubikey which has numerous flaws (not quite a regulation USB device), but the one that "EOLed" it was that the hole to attach it to a keychain wore away. A 0.25-cent nylon washer would have fixed it. Fortunately I was able to recover the yubikey rather than lose it, but it isn't on my keychain anymore.
Banks and other high-margin organizations can afford heavy reset and recovery processes. Companies like Google where customer service is "talk to the hand" can't and won't.
Nobody is obligated to help you learn.
"Nobody is obligated to teach you self-defense."
"I tried to stop while driving but my breaks failed and I crashed into a house!"
"Nobody is obligated to teach you proper car maintenance."
"My wife's surgeon lied about his qualifications and now she's dead!"
"Nobody is obligated to teach you how to spot a quack."
IT'S NOT OUR OBLIGATION EITHER. It's Google's, to make products that don't abuse and exploit their users. Stop this bizarre gaslighting tactic. 2FA is a shitty scam system that increases complexity and failure rates, radically decreases privacy, and DOESN'T increase security because the vast majority of users will just use SMS, which is easily hacked.
That means it's not 100% guaranteed one will be locked out, _provided that_ one has the tech chops. Even with such condition, is enough to totally invalidate your statement of "100% guaranteed you'll be locked out".
You probably should change your statement to say "99% of people (i.e., those withiout tech chops) will very likely -- or almost certain -- to be locked out sometime in the future". Now that new statement will be true.