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They lose the entire notebook. The thing is, they only need login credentials a couple of times a year or so. Things like social media and email are apps that are logged in all the time so they only need to reauthenticate when something is wrong or when a special event happens (like buying a new phone). So that only leaves a thousand different boring things that they only rarely access, like the government ID, the utility company account, the insurance company account, etc. So every time they have no idea where that particular notebook is among their tens of other notebooks, pieces of papers etc.