This would seem to be a good thing to offer if you were a company that had any form of customer service. If I were to lose the little thingy that lets me into

This would seem to be a good thing to offer if you were a company that had any form of customer service. If I were to lose the little thingy that lets me into my bank account, I can walk into a bank, verify myself, and get another one sent out. Simple and effective. Can you imagine the process that you'll have to go through to get back into your GMail account after losing your phone? Considering that you can be an AdWords customer giving them ten thousand dollars a year and still receive nothing but computer-generated form letters in response to questions about your account, I think I'll pass on this one.