It's simple, just never make any mistakes.

> I've been using a TOTP app with backup functionality since at least 2014, so its not exactly a new concept. If you choose not to avail yourself of one, that's on you.

You're right! how dare they not know everything that you know.... it's insane that someone might not do everything exactly the way you think it should be done!

I get that's not what you're trying to say, but all you're doing is blaming humans for ignorance, or making mistakes. I'd assert, that given you clearly understand both security, and best practices, you'd be better equipped to help offer solutions instead of accusations, or blame.