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Couldn't someone just steal your token and you lose access to 100 applications?

No. It's not a token. It's an on-chain account verified by multiple permissions that are controlled by key pairs. It's based on EOSIO technology and is pretty robust.

How do you recover your account when you lose your keys?

You can’t.

Check out Vitaliks post on social recovery wallets https://vitalik.ca/general/2021/01/11/recovery.html

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