When a person loses his coins, he will have to use some services in some cases
If I lose 4 words, I will not be able to access them. If I find a legitimate service and you won't take money from me, I will use it.
It's all based on trust. If you are afraid of losing your money, create a multi-signature wallet and trust people close to you. Otherwise, forget about your coins.
Theoretically, that is 12 words passphrase, if you lose this it will surely hard for you to recover your Bitcoin and it needs to brute force your wallet. There's nothing you can do is to use a
reputable third-party service which is possible there's a chance that your Bitcoin might recover rather than it will be stuck forever in your wallet.
No, that's not based on trust, that's based on service reputations and also the previous history or feedback from their previous clients. How can you trust a recovery service that you didn't even know in the first place? Basically, it needs further research for those services that offer recovery service if you didn't up to nothing.