A lot of people in the world only have one primary digital device - a phone. If that phone breaks, or is lost or stolen, how do those users get back access to t

A lot of people in the world only have one primary digital device - a phone. If that phone breaks, or is lost or stolen, how do those users get back access to their keys? Will the store holders like Google and Apple validate their identity w/ personal information frequently stolen from credit agencies and healthcare industry data stores?