And also something we usually don’t consider: loss of memory, which can occur in combination with a traumatic event like your house burning. Then you can loose

And also something we usually don’t consider: loss of memory, which can occur in combination with a traumatic event like your house burning. Then you can loose your smartphone, your Yubikey, your printed copy, and your memory all at the same time if everything is stored in one place. And this is exactly when you will need those the most. Not easy to defend against such a nightmarish scenario.