This kind of stuff ought to be regulated somehow, one can’t lose access to one’s life. I recently wasn’t able to recover an old account because I did not have access to my 2FA number and their help site suggested I “contact the phone company to recover the number, then try again.” I had to do the same exact thing for another service but they did allow me to change the number by providing some information like last tr…
You can't create regulation requiring anyone or anything be competent and responsible.
If you entrust your livelihood to a company that cannot be trusted, that's on you.