Risk management examples​:

This happened to me recently, i have been locked out of my Gmail account with absolutely No way at all of ever getting "back in".  A quick search online and you will see posts from thousands of people worldwide, though absolutely no fault of their own, locked out of Gmail with absolutely no way of ever getting back in, even with 2FA on account.
...
I am currently locked out of my Bitrex account because i need to click a link in my email to log into account, you have to do this if
...
I am shocked that this is not more well known in Crypto, but believe me, there are going to be more and more posts about people getting locked out of account with no access ever again to funds...
https://bitcointalk.org/index.php?topic=5313971.0

All you need is a Policy Number: https://keyco.io/