Earlier quoted context omitted.
The why is obvious. People will lose their 2FA. It's a fact of life. Lost keys with your yubikey. Broken phone without a backup of your totp. Etc. After that, how do you prove that someone owns their account? Send a photocopy of your passport? No way to edit a picture, right? Answer some security questions, which you certainly forgot the answer to. And people are likely using the same questions with the same answer o…
The solution is a government issued key pair. Probably on a Yubikey type of device. Replacing a lost one of those is then the same process as replacing a lost driver's license / passport / other government issued identification. By 2023 it's high time for these forms of identification to catch up with the digital age. It's high time to end the joke of verifying identity by birthday, SSN, "in-security questions", and…
I'd honestly just prefer TOTP or hardware tokens be mandated as an option for 2FA if you offer it.