Recovery should be a visible part of the threat model, not a fallback the service quietly keeps enabled forever. After enrolling two independent passkeys or hardware keys, users should be allowed to disable SMS, secondary-email, or support-assisted resets—or at least choose exactly which remain available.
Consider the ordinary case of someone whose email account is protected by a key, but whose phone number is still accepted for recovery. A SIM-swap attacker may not beat the key, but could target the weaker route instead. That convenience is not neutral; it preserves an attack surface. SMS and email recovery are useful for people who have only one device, though, and disabling everything creates a real risk of permanent lockout if every key is lost. It also does nothing for inheritance unless that is planned separately.
Would you trade recoverability for stronger account security? I’m interested in real-world examples and counterarguments.