What if you don't really have friends. Not really an uncommon thing.
And I say that as someone who has a spare yubikey sitting in a safe deposit box.
Eventually, this would probably work out, but it still feels super shitty.
It's a pain in the butt, and it's very limiting because adding another secure service means going to the bank, so I try to limit the 2fa through yubikeys to things like my password manager, my keycloak instance, and other very important accounts.
My take is that 2fa is still not there yet, and I'm a little worried about the push for webauthn, since I foresee a lot of potentially lost accounts.
We have plenty of ways to make this easy but if all those avenues are blocked because of some black swan event, you need a backup - and that backup can't be too easy because then it invites attack.