> I'm happy enough to deal with losing my digital access (via 2FA) temporarily under the same sort of circumstances where I've lost my keys.
To me the critical difference would be that my house keys are single purpose and only serve at a single location. I lost/broke keys a few times in my life, and the only issue was to wait outside the house for a few hours.
I didn't need to authorize 3d secure transactions when paying for the hotel or a taxi, didn't need to authorize accessing my Gitlab account at work, nor validate that I'm really me in the flurry of 2FA services. Nowadays phones and computers are more akin to wallets, and I'm actually more in trouble when losing access to my phone than when losing my wallet.
Absolutely this. I can lose my wallet - I know how much that's realistically going to cost me and I'm protected against fraud and theft regardless, save for the headache of making a few phone calls.
The world really hasn't appropriately quantified our reliance on little black fondleslabs.
To me the critical difference would be that my house keys are single purpose and only serve at a single location. I lost/broke keys a few times in my life, and the only issue was to wait outside the house for a few hours.
I didn't need to authorize 3d secure transactions when paying for the hotel or a taxi, didn't need to authorize accessing my Gitlab account at work, nor validate that I'm really me in the flurry of 2FA services. Nowadays phones and computers are more akin to wallets, and I'm actually more in trouble when losing access to my phone than when losing my wallet.