In a commercial environment there are ways and means¹ but getting a non-technical user to securely and safely manage access credentials is can be a time consuming education process. Especially after the first time someone comes to you to hack their stuff because they've lost their keys & they never did do that backup thing you good then about³ and you tell them it simply isn't possible.
Even those of us with experience in the field sometimes make mistakes that we can't revert, so people without that experience can be forgiven to an extent for trading security for what they think is safety (but is really just convenience).
Solutions, that don't involve someone being an unpaid 24/7 infrastructure support tech, on a postcard please!
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[1] if procedures are properly followed² code is in source control and documents are in equivalent storage, the most you should be able to lose is today's work
[2] yeah, I know…
[3] or that uses the same, now lost, credentials