That is stupid with credit cards, and it would be extra stupid with your digital life. Either this is one gigantic DoS vulnerability (anyone can call them up an

That is stupid with credit cards, and it would be extra stupid with your digital life. Either this is one gigantic DoS vulnerability (anyone can call them up and ask them to completely immobilize you digitally for at least 24 hours), or you have some way to reliably store authentication credentials that would allow you to authenticate to such a service in an emergency, in which case you could probably just as well just store what is needed to recover things yourself.