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How do you access the cloud if you lost your laptop? Or even all of your stuff burned down along with your house?

How do you remember a strong passphrase after four months in hospital recovering from a cerebral trauma?

Emergency emergencies. Off-site physical backups are important too.

You don't need to particularly safeguard the credentials to get to your encrypted blob, they can be in a gmail email you sent to your friends and/or family. They can't read the content but they can give you a copy.

How do you remember where your safe deposit box is after four months in hospital recovering from a cerebral trauma?

There's no perfect solution.

Engrave the address into the lens of a laser pointer, and embed the pointer into your hip.

Obviously.

…and sincerely hope that the fisherman who pulls you out of the ocean half-dead is a competent enough surgeon and notices the bump on your hip ;)

Yea, a friend of mine's younger brother suffered a stroke in college, and couldn't remember his laptop password. My understanding is that at least some of the important files were encrypted.

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