There is no "account" to lose access to. Do you mean your nsec got deleted with no backup?
Newbie here. How does one avoid this happening?
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Use a key manager like Alby or Nos2x .
Damus should store the nsec for you if you have a password manager installed as well
Or what Will said , he's Big-Boss, listen up.
Take ur nsec and copy it into a private usb drive / or two. Your keys
