No, we're here with you. I'm also wondering if being responsible for storing and using passwords is THAT BIG OF A DEAL??? Even mathematically, probabilities of two failing points are adding. I've been locked away from mail, banks and gods know what else just because I didn't have my phone or computer nearby, was in different country, in a place without network coverage, haven't paid for cell in time, etc. etc. etc. and absolutely positive that 2FA (at least that requiring on-line presence) is evil. The ONLY THING that can really protect and help you - is good HUMAN tech support. Where you can call, explain yourself, prove ownership and regain access to a service. Up to the point of having to go to of video-call office yourself and beyond. Yeah, I'm completely aware that some corporations don't even have humans (hello, Goolag!) employed - and trying to stay clear from them.