[shadowgovt]

So you're hitting upon an actual problem that we encounter often in the tech age. It turns out there's a whole category of users who have this problem: users who have no secure place to store secondary data. In other words: the homeless.

They have access to the Internet at libraries and as more and more of the world goes on line, that access becomes more and more necessary. But they don't necessarily have a wallet (let alone a safe) to store passwords and 2FA tokens, and when they lose them it's a major issue.

This is a known problem but (as with so many issues in marginalized communities), the challenge to solving it is that it will make the system worse for everyone (including them) if we relax 2FA requirements; hackers can crack passwords on, and impersonate, the homeless just as easily as everyone else.

(The best idea I've actually heard in this space is for librarians to be willing to serve as data repositories for their local unhoused patrons. They are onsite enough and have enough face-to-face interaction to be able to spot-auth someone because they know them by name. But there's a massive liability concern about the library becoming a target for identity theft that keeps most places from considering it).