What you explained in the Op is something that happened to me during Q1 of this year, where I sent crypto of 90USDT to the wrong address because I didn't notify or ask the recipient where to send the funds.
This is to avoid getting your funds stuck and we know in the Crypto network especially in the non custodian wallet providers once you have lost you seed phrase and lost access to your wallet, you have lost it all forever.
The crypto is not lost forever, even in a situation where the wallet's private information is lost. Because in the future, when the quantum computer that can break the entropy used in creating crypto wallets is developed, all the crypto sent to inaccessible crypto wallets will be recovered.