"What happens if that phone is destroyed through some sort of accident ..." I don't think that's an issue at all ... I don't care about the phone - all I care

"What happens if that phone is destroyed through some sort of accident ..." I don't think that's an issue at all ... I don't care about the phone - all I care about is the SIM card. If the SIM card is destroyed, your provider can issue a new one. I guess if the 2FA mule was destroyed while I was traveling that would be a real pain but ...