If you forget your password, or you losing your private keys, your cryptocurrencies are gone. Forever. And thats why you should have them on a save place. Its clear it can always happen something like a fire which can destroy everything you have. But for that you should have all twiche on different places stored. So as an adult human we can expect that you can store such sensible data on safe places. If not its your own fault when you will loose thousands of dollars worth of cryptocurrencies.