The convenience (can actually be used) and security balance is the real magic in this space. For example, i am at this moment fairly afraid that i've forgotten my SpiderOak passphrase and lost the backup piece of paper. On my ToDo list for months has been check if i can still access my data and then re-up the subscription. I own my failings, but i suspect other humans share them. Perhaps tiers of data security in one service could be an answer? One tier, the lowest, can be recovered with a password reset to e-mail, so the private key actually stored somewhere with you.
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