There are various ways around this dilemma now, and sure to be more in the future.

There are services that keep one key in a 2-of-3 multisig (or other arrangements), so you transact normally with your two personally -kept keys and only have the service as a backup.

There are also brilliant projects like #fedimint which allow communities in #Africa and elsewhere to build a local trust group who has the ability to recover accounts.