We're literally talking about people losing their codes. What makes you think most people even have a system to securely archive TOTP codes long term, much less

We're literally talking about people losing their codes. What makes you think most people even have a system to securely archive TOTP codes long term, much less actually think to do it? What if an iPhone user uses Apple Notes to store their TOTP keys (probably one of the most reasonable ways accessible to a non-technical user), but then 5 years down the line switches to Android, 5 more years pass and they've entirely forgotten that they even used to put TOTP codes in Apple Notes 10 years ago, and then they need their TOTP codes? Securely archiving things which are rarely if ever needed across many decades is an incredibly hard problem, and I would trust approximately 0% of users to do it correctly.