There are real-world situations, particularly in remote areas, where you can't rely on someone else to bail you out if you screw up. But they're not typical, an

There are real-world situations, particularly in remote areas, where you can't rely on someone else to bail you out if you screw up. But they're not typical, and yeah, the analogy breaks down if you push it too far. I think the advice of having multiple independent ways to log into an account is still good. Unfortunately, Google doesn't provide backups for the threat model of "Google locks you out due to an automatic policy decision" so you have to figure it out on your own. Similarly for other services.