This is my nightmare. This is why I refuse to use 2FA. (Except on services that require it, and I wish they didn't require it.) Am I worried about getting hacked? Absolutely! But when I weigh the likelihood of (1) someone else getting into my account without 2FA and (2) locking myself out of my own account with 2FA, the latter seems much more likely! I understand how backup codes work. I promise you I will loose them…
2FA might be good for security, but it's also very ableist.