This is true and unfortunately hard to solve. Thankfully, you can prevent losing an account in the first place by replicating your passwords/secrets to more tha

This is true and unfortunately hard to solve. Thankfully, you can prevent losing an account in the first place by replicating your passwords/secrets to more than one place (that you trust not to explode together) and being diligent about fixing failures in that system. For every account where I have done so, I have not lost credentials in over ten years. As for having your accounts "hacked", the only advice to be given is digital sanitation: Regularly scan your machine, don't give information to places you don't know, don't download shady executables (or if you do, definitely don't execute them outside of a sandbox). These are all good practices regardless, it's just that for you they have become essential practices to keep your accounts.