You’re not going to lose access to your bank accounts merely from losing an email address. At worse you’ll be inconvenienced for a day, and maybe not even that

You’re not going to lose access to your bank accounts merely from losing an email address. At worse you’ll be inconvenienced for a day, and maybe not even that long because with a phone call and your SSN and account number, you can get anything you need done including a change of email address for your online banking. Every financial or governmental institution is going to have some kind of failsafe for verifying you if you lose access to an email address. If you’re worried about being put into a position that you’ll never have what you need to recover from a loss of an email address, then the onus is on you to make sure that doesn’t happen. I know you had a larger argument you were articulating, but it was undermined by your example.