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It is so rare. Often people want to self-justify their complex, painful homesetup for this kind of rare thing. If any of the cloud like Google was that bad with lost accounts then it would get less popular eventually.

Breaking nextcloud or failing a disk or lost phone is more likely. (Nitpick - Yes, most people have SIM based 2FA - so no problem with lost SIM - and most people are not >100K paid HN bros - that travel constantly around the world. so Google is good.).


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