* you forget that you have a clever password scheme
* you forget that you have data to decrypt
* your mental capacities are deteriorated enough that someone else takes over decisions making for you. This person may not know you or your data protection scheme.
* you are physically injured where biometrics are non functional. Or a biometric system with a limit on tries may have been tripped by those trying to help you.
* you were in an incident that your friends/family were also affected by
In my opinion, the best way to protect against these is simply write stuff down in plaintext somewhere that relies on physical security, like with documents in your home. Also notate what they are and why someone would need to access them and how.