Earlier quoted context omitted.
These (for good reason) draconian policies are the reason I am still hesitant to embrace 2FA. I understand the significant improvement in your security posture, and I would not want someone not-me to be able to reset my credentials. But the failure mode is just too catastrophic. You lose one thing and you are shit out of luck. We need something better. I don't know what it would be.
I for one would appreciate the option to put an ID on file ahead of time, at least for important stuff like this. I like digital-only accounts for play, but for work stuff with real-world consequence, I’d like to link it to a real-world identity system… Not unlike the signature cards banks used long ago, I guess. Sure, maybe somebody motivated could defraud the government into issuing them a replacement ID in my name…
A fake ID is pretty easy to create, along with a fake face for a video chat where you can hold up your fake ID.