[dblgnrlf]

I would kindly say that they didn’t think this system hard enough since it has no fallback way to authenticate. I left the country, a year and a half ago and I accidentally locked the card couple of month ago then I went to their embassy in Copenhagen. Their answer in short: “Sorry the format of your card is not supported anymore, we can’t recover your code, you have to go to the police office in Estonia and ask for a new one, but it won’t be approved since you don’t live there anymore, so you should maybe try to apply to e-citizenship” For a card that expires in middle of 2023 isn’t amazing to learn that they don’t support it anymore. Also applying to e-citizenship costs ~120€. When this card is the only thing you can use to access to your Estonian bank account like it was my case, I don’t know how does it sound to you but well not that great! I have something to compare with since I have pretty much the same electronic id in Denmark and in Sweden.

[Avamander]

The fallback is having a second method of authentication or even a second ID card. If getting access to a new document is too difficult then that's a risk you should personally work on reducing.