So I assume you do not consider, say, your Github or Google account to be high-value? Plenty of tech companies have simply started to refuse recovery if you lose all your 2FA keys.
What do you do without 2fa if your account is taken over? I’m trading that risk for something more in my control. Yeah it would suck if I lost all my hardware keys, my laptop, and paper backup codes, and additionally I couldn’t get support from anyone.