Not just incapacitated, but also unable to reasonably communicate. I was suddenly and unexpectedly thrown into jail. How do you communicate all of this information to people on the outside? Especially as your communications are monitored at all times, so reading out logins over the phone can be very detrimental.

I lost all but one of the hundreds of domains I owned, 10 years of email, and of the thousands of online accounts I had when I was locked up, only about 3 were accessible after I got out due to changes in security policies or email addresses (I'm looking at you Gmail) that I could no longer log into despite having the username and password.

This problem is only going to get worse as more sites, sensibly, require MFA. As long as you are compos mentis and have physical access to your devices everything is grand, but once that breaks down, you (or your loved ones) might be screwed.