Yep. It's a scheme to make sure the only guaranteed way to avoid being locked out of your accounts is to sign up, and pay monthly, for a Microsoft/Google/Apple

Yep. It's a scheme to make sure the only guaranteed way to avoid being locked out of your accounts is to sign up, and pay monthly, for a Microsoft/Google/Apple service. That's why all the recovery options are completely glossed over. It's because their solution is "pay us".