Car keys are getting a lot more troublesome these days. I see an analogy... if you lose your security device you can pay $XX to get on a call and verify with an account security rep. Of course this can be deepfaked nowadays. Maybe you need to do password recovery in person with a notary!

Notary public... the new digital locksmith for password recovery.

Case study: An Ex who got fully locked out of her phone by forgetting what new passcode she changed to, had no idea what her google account password was, either.

So in the end she was locked out of the encrypted backups and had to wipe the phone, losing photos and a lot of notes. Despite all this, somehow expected that a quick ring to the <Cell Provider> call center could get her files unlocked and restored. Once that proved fruitless, that a call to Google would do the trick.