While it is not the default for good reason (onboarding ux), you can establish your own keys and prevent that lock down.
Here is one of many sites that help users de-risk, backup, and migrate: https://pdsmoover.com/
Looks like you have to give this 3rd party website your username as well as password. Ouch. On top of that, it doesn't work if you've been already locked out.
Looks like you have to give this 3rd party website your username as well as password. Ouch. On top of that, it doesn't work if you've been already locked out.