alt Hacker NewsApple and Google often store your other 99% of passwords and passkeys, so losing this is actually more important than losing the 99%. I take your point but saying 99% have reset services when the critical 1% may never be recoverable without posting to HN is an important point.
For those you add recovery e-mails. You can easily have a Google, Microsoft and Yahoo e-mail so having access to at least one means you can recover the rest. Yes, this increases your attack surface, but the chances remain miniscule.