Issue the user two smartcards, one for daily use, one that can be used to create a new daily use smartcard. Tell the user to keep the backup smartcard in a saf

Issue the user two smartcards, one for daily use, one that can be used to create a new daily use smartcard. Tell the user to keep the backup smartcard in a safe place. Yes, someone will inevitably lose both. You just need to ensure that that is a rare event, and that there are alternative systems in place (i.e. that losing access to one system does not prevent people from living their lives).