[nucleardog]

A lot of services also provide backup codes when you perform first setup. If you actually take those and put them in a safe place (maybe offline) like they say, that should mitigate a lot of the problems.

Let's pretend I'm a dummy user and I print all my backup codes out and throw them in a drawer somewhere. Now the only situation that locks me out of my account is both my home becoming damaged/unavailable AND my phone at the same time.

While a house fire or something could reasonably accomplish both (although I imagine most people would grab their phone before running out!), I think this reduces the risk to a point well below the "I dropped my phone in the toilet." level of not having backup codes.