"4. Some of the biggest companies in the world have security that is only as good as a minimum-wage phone support worker who has the power to reset your account. And they have valid business reasons for giving them this power."
E.g., "No problem, I can reset your password! The system will automatically contact your registered phone number and email address -- if you confirm both, it resets now, and if you can't, it will send the reset to your new email 3 days from now."
I can't think of the last time I was completely cut off from both phone and email for more than 3 days. Can you? I travel around the world regularly enough (I was in Malaysia in November; I'll be in Rwanda in March), but never with breaks in connectivity lasting more than 3 days.
I don't go wandering into the wilderness for more than a day trip, admittedly... but I'm also pretty sure most other people don't do that regularly, either.