Comment by kuroguro

Wherever I can I set up code generation / TOTP 2FA precisely to avoid lockouts. Then to avoid losing all of those whenever I change/reinstall my phone I opt for the less secure option of storing them in a password manager...

I can't think of another way not to get locked out in case I ever lose my phone.

Google, Paypal and a few others seem to be the worst offenders at "protecting me".