That actually happened to me a couple years ago. I was in a foreign country, and lost my phone. All I had to do was buy a new cheap phone and login to Bitwarden again. If I had 2FA enabled, I'd be completely screwed.
Okay, I grant that you've reasonably mitigated the lockout risk. But I don't want to do any of this, and is it really reasonable to expect the everyday person to understand or implement all this? What happens in practice is that many users will not realize anything is wrong until they get locked out with no recourse.
This makes it hard for me to recommend Bitwarden to my friends who use typical insecure practices like password reuse or post-it notes.
Security has either been easy and weak, or difficult and strong. It will never change and so you will always have the option of weak security if you dont want to jump through the hoops for the peace of mind.
> my friends who use typical insecure practices like password reuse or post-it notes
IMO people who do those things will never change. Its like the environment, everybody knows what they should be doing but no-one cares enough to do it.
Was easily solved though, got a new SIM card from my network from the local store when I got back and recovered my Authy account via SMS which I can then generate 2FAs for my password app through. Was always a backup method I had up my sleeve. My browser keeps logged in as well so was able to get into most stuff through my PC once I got back.