Ask HN: Best consumer/professional “digital root of trust”

As we know, most accounts use an email address or a cell phone number as the root of trust. Some use more complicated heuristics, e.g. Google.

My question is, what service provider offers as much as possible of both: 1. Difficult to break into 2. Feasible or convenient to recover

AFICT Google accounts are great for #1 but crap for #2. Once you've lost an account there's nothing you can do, no human you can appeal to, not even with a birth certificate, a passport and a cheek swab.

Many services are great for #2 but crap for #1 because of social engineering.

Are there any services that are decent at both?

I've never had an Apple account - how do those rate on the above? Some security gurus on here say Apple's security is top notch, at least for the iPhone. But can you go to an Apple store for account recovery if you have government issued ID? If so, how do they resist social engineering?

Other criteria: 1. What can I do if my house burns down and every physical object I own goes with it? 2. What can I do if I get hit by a bus and suffer amnesia and forget all my passwords? 3. What can I do if someone thoroughly breaks into every single account I have and resets the personal info? 4. What can I do if both 1 & 2 happen?

Obviously no service can solve all these problems but those are extreme examples to which even partial solutions could be useful.